1 18mos ago
4 22mos ago

This is new accounts overall, not just with Ch@s3? If so, it doesn't doesn't bode well for the rest of us either.

Anyhow, worth trying to contact them to see if they are willing to reverse their decision. Have your SO be prepared to give some hopefully satisfying answers to their questions. I'd look on that DoC thread to see what others have done with success stories, also search r/churning for similar situations.

[MENTION=743175]lumangoy[/MENTION] is the usage pattern any different from prior Qs? I can't imagine any of us use our F cards for anything but the rotating cats. I have to say I'm quite happy to be hanging up my C Manhattan Bank shingle. With like 6 or 7 personal and 1 biz, I'm content and will continue to max the cat bonuses and the up/downgrade flexibility. But hell if I'm applying to more new cards at this point, especially since I'm so long past 5/24...

When Ch@s3’s system deems you as a possible risk, they will pull your credit report without you requesting it. Then when they see you are well past 5/24, they will shut you down. It’s the new BAU with Ch@s3. Get what you can with Ch@s3 and move onto other banks, and never look back.

It's a soft pull right, so even if you lock your report they will have access to that info? Ch@s3 randomly pulling our report w/o formal consent (e.g. signing up for a new card or requesting a CL increase) is definitely alarming for many of us who MS and may have frequent spikes in utilization.

They soft pull reports without formal consent with some regularity.

Soft pull wont show up on the report?

I don't see it on my Experian report.

When can my SO apply for chase cards again? We were so close to being under 5/24.

I'm not sure we are there yet, though it's possible they are phasing out these newer drastic measures to cut us MSers & churners off. I still don't think they will shut down people for merely being over 5/24, it's possible other risk factors need to be met and this seems more plausible to me than the theory that they will cut off anyone over 5/24 but do so gradually. Unless they've put together a new small team and they can only do manual reviews so fast...who the heck knows, but I guess we'll see a pattern eventually.

Having said that, it's worth complaining about them doing a hard pull without a consumer asking for credit. Whether or not it is in their legal fine print to do so, I'd still complain, to them first and if they don't reverse it to CFPB. All banks can--and many do--periodically pull soft reports to evaluate customers for risks and promotions. I don't believe they gain more info by doing a hard pull instead and if that is indeed the case, makes me wonder why the hard pull.

No, soft pulls don't show up.

I still think there's more to your story than what you've posted. Until we know those details it's hard to answer any questions regarding opening accounts.

I wish there was.

The fraud alert might have triggered the soft pull.

Another place to look for shutdown data points is the r/churning thread, I took a look at most of it and it seems there's always something that triggers the review before the shutdown, mostly applying for a new Ch@s3 card.

I took a look at the recent comments of the DoC thread and on 1/8/18 someone reported that the reason for the review was (they seem to think) adding Freedom to Samsung Pay and using it via Samsung Pay twice.

So [MENTION=743175]lumangoy[/MENTION], can you think of anything like that, or anything out of the ordinary at all that your SO did in the last month or two before the shutdown? I say a month or two because someone on r/churning reported that a Ch@s3 rep had shared with her (after reinstating the accounts) that her accounts were marked for shutdown 7 weeks prior to them actually being closed.

What card was your brother using to MS?

That "someone" sounds like lumangoy, the OP.