HELP! Warning letter received for my FU(Freedom Unlimited)
Sep 16, 2019, 3:01 pm
#1
Original Poster
Join Date: Sep 2019
Posts: 7
HELP! Warning letter received for my FU(Freedom Unlimited)
Received this message via SM for my FU and while I'm not shutdown, curious about DP's and wondering if I need to suspend all MS on this card. Never cycle CL (high 20k's), but do about 13k monthly at GCM/SM (my mall codes as the mall name) in addition to most everyday purchases being charged to this card. Should I avoid MS all together now that I've received this? Or should I limit it to a lower amount and avoid GCM? Curious what experiences you all have had and would love your insights! Def don't want to burn a bridge with this bank!! Do also have a CSR...
"We reviewed your credit card account and it appears certain activities indicate potential misuse of the rewards program.
Examples of such activities include:
We may close this and any other accounts you have with C---- if this activity continues, or if there is any other indication of misuse.
Please see your rewards program agreement for additional details. If you have questions, please call us anytime at the number on the back of your card."
"We reviewed your credit card account and it appears certain activities indicate potential misuse of the rewards program.
Examples of such activities include:
- Buying or selling rewards
- Selling, or participating in the sale or exchange of, gift cards, travel or other items of value obtained through use of rewards
- Repeatedly opening or otherwise maintaining credit card accounts for the purpose of generating rewards
- Manufacturing spend for the purpose of generating rewards
- Moving or transferring rewards to an ineligible third party or account
- Misuse of a third-party merchant or service provider program with which rewards may be used under this program
- Misuse of a frequent travel program to which rewards may be transferred under this program, if applicable
We may close this and any other accounts you have with C---- if this activity continues, or if there is any other indication of misuse.
Please see your rewards program agreement for additional details. If you have questions, please call us anytime at the number on the back of your card."
Sep 16, 2019, 3:49 pm
#2
Join Date: Mar 2016
Location: North Texas
Programs: SWA A-List, Marriott Platinum, Hilton Gold
Posts: 188
Yeah probably a good idea to stop all MS activity on that card for a while you obviously caught someone's attention. Definitely don't wan to burn any bridges with ch@se.
Sep 16, 2019, 4:05 pm
#3
Original Poster
Join Date: Sep 2019
Posts: 7
Well damn, was really hoping for a different answer LOL. Anyone else have any DP's? Do you think going down to 2k/month just from SM would raise flags?
Sep 16, 2019, 4:11 pm
#4
Join Date: Dec 2006
Location: SNA
Programs: Bonvoy LTTE/AMB, AmEx Plat, National EE, WN A-List, CLEAR+, Covid-19
Posts: 4,967
)
Sep 16, 2019, 5:33 pm
#7
Join Date: Nov 2013
Location: PHX, SEA
Programs: Avis President's Club, Global Entry, Hilton/Marriott Gold. No more DL/AA status.
Posts: 4,422
*Offer not guaranteed
Sep 16, 2019, 6:02 pm
#8
Suspended
Join Date: Nov 1999
Posts: 24,153
OP, I assume you went over the list they sent and none of the other points apply to you, if thats the case its not only stop MSing with the card in question but Id go as far as to say you need to cut Chase out with any Chase card. at least for now. GCM is something I never did and even with SM there are ways to sort of disguise it
Bout all I would do is get the cards somewhere where you can be purchasing other items and keep the #s low out of the high 4 or 5 digit amounts, ot go out with your guns a blazing and accept a shut down of any and all types of accts with Chase
Bout all I would do is get the cards somewhere where you can be purchasing other items and keep the #s low out of the high 4 or 5 digit amounts, ot go out with your guns a blazing and accept a shut down of any and all types of accts with Chase
Sep 16, 2019, 6:36 pm
#9
Original Poster
Join Date: Sep 2019
Posts: 7
Since I get the impression you're going to keep asking until you get the answer you want*, here you go: "Oh yeah man, they don't care unless you do $2100/mo or more MS. You'll be safe, you definitely won't lose your entire UR balance or ability to bank with Chase"
*Offer not guaranteed
*Offer not guaranteed
Sep 16, 2019, 8:33 pm
#12
Join Date: Nov 2013
Programs: AA Lifetime Platinum; Amex Plat; Four Seasons; Fairmont; HH; etc.; "Retirees-In-Training"
Posts: 658
Be very grateful that you seem to still have all of your current points.
Why in the world would you tempt fate by risking doing what they are clearly telling you NOT to do or they probably WILL shut down your account and you'll lose any points you've still got?
??
GC
Sep 16, 2019, 8:38 pm
#13
Suspended
Join Date: Sep 2016
Posts: 198
You've got nowhere else to spend 2k/month? This FU is your only place to manufacture spend? Go ahead and do what you'd like - the notice is pretty clear.
Sep 17, 2019, 7:29 am
#14
Join Date: Aug 2014
Posts: 1,303
I would probably double your MS spend, the letter they sent you is probably a fake....LOL ch@se sent you a letter and bulleted the exact thing you are doing that is against their terms. It's like a police officer who has caught you speeding and is telling you he is setting up to clock you again and the next time you'll get a ticket and you are asking if you should continue to speed??? You got an incredible do over. Be glad they didn't shut you down, strip you of your points, and discontinue your relationship with them, all over MSing on a 1.5% UR card???? Wow.