topic Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review ! in Credit Cards

HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 17:51:03 GMT

LOL at this point, I dont even care ... I have all the credit I need and then some, and quite frankly I'm sick of this credit game nonsense. It was easier having bad credit because I just never thought about it nor cared -- this is a joke. Account frozen yesterday after doing a cash advance at a hotel casino while traveling for pleasure ... $500. Forgot y debit card upstairs and figured I'd save the time .. my CL is $5k, nowhere near the limit now. BAL is $1050, just paid $1500 off.

The Lending Team is reveiwing me, and could take 72 hrs. LOL when they see my 6 new SYNCH Accts and INQs Im banking on a closure. Again, couldnt care less. Over it Just warning those who do cash advances, or use the card in excess to be careful -- CHASE WILL freeze you ! Lending was very nice, but i am definitely expecting a closure or massive CLD. Ill report back either way -- should know by tonite or tomorrow. I find it absurd that lenders punish you for services THEY OFFER YOU, but it is what it is.

My EXP is 708, about 25 pts higher than when they approved me. Theyll see that, but all the new accts too. No baddies. TONS of INQs. This is not a security hold, but rather a LENDING REVIEW -- was told fraud hold earlier, not the case.

I will report back -- CHASE strikes again !! Soooo many threads on similar issues !

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 17:55:52 GMT

With a bunch of new accounts plus a cash advance at a hotel casino I could see it setting off flags for sure. Very sorry for the inconvenience but I am fairly certain this same patter with other lenders might result in a similar outcome.

I don't see anything unreasonable here on Chase's part (although you will not agree and I get that).

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Anonymous — Wed, 17 Feb 2016 18:03:58 GMT

You know what, I get what you're saying -- but I'm just over it. "Here, you are allowed $1,000 in CASH ADVANCES, but if you use it, we will review you and possibly close you down." Or... "Here's a card with a $5,000 limit, but if you use too much of it, we will close you down" or ... "Here's a card, but if you open 3 or more, we will close you down" Get a life. With a 708, high income, I clearly am not a massive risk.

I do get your point, but DEFINITELY DO NOT AGREE. some lenders are WAY over protective, and others seem to not care. Why give a consumer a loan of sorts, only to withdraw it later based on new accounts? Or penalize them for utilzing a service YOU MADE AVAILBABLE ? I find it to be nonsense.

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Anonymous — Wed, 17 Feb 2016 18:05:23 GMT

And by "get a life" I meant "get a life, LENDERS" - not you :-)

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pipeguy — Sat, 20 Feb 2016 19:50:22 GMT

I limit cash advances to my CU cards at Casinos - no x-fer fee, no red flags, no higher APR's - then again I pay them off as soon as I get home. Never had an issue using a CU Visa for cash at a Casino, during or after. I'd never use a standard CC for a cash advance at a casino, not because of a possible AA, but because of the fees and penality APR that starts at once.

Just saying.....

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Anonymous — Wed, 17 Feb 2016 18:19:17 GMT

yea CUs are awesome -- i have 2, and USAA kind of is like a CU... they are great with these things and USAA does not charge a fee at all

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Anonymous — Wed, 17 Feb 2016 18:21:09 GMT

@Anonymous wrote:
You know what, I get what you're saying -- but I'm just over it. "Here, you are allowed $1,000 in CASH ADVANCES, but if you use it, we will review you and possibly close you down." Or... "Here's a card with a $5,000 limit, but if you use too much of it, we will close you down" or ... "Here's a card, but if you open 3 or more, we will close you down" Get a life. With a 708, high income, I clearly am not a massive risk.

I do get your point, but DEFINITELY DO NOT AGREE. some lenders are WAY over protective, and others seem to not care. Why give a consumer a loan of sorts, only to withdraw it later based on new accounts? Or penalize them for utilzing a service YOU MADE AVAILBABLE ? I find it to be nonsense.

I agree with you more than you may believe. I feel if any lender says you can get up to $1,000 in a cash advance then it should be ok. Unfortunately my first reply to you was based on history and stories I have read here, and I hope you are not another chapter in that book.

After reading so many of those stories here I will always do everything I can do avoid a cash advance, just way too many horror stories to feel safe doing that.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Discover2016 — Wed, 17 Feb 2016 18:21:54 GMT

Chase is extremely touchy about casinos in general, my sister tried using her Sapphire at a casino for general purpose and not cash advance and both times the card was frozen. There is always something specific that bugs certain lenders, for example with Amex it's paypal, Chase it's casinos.

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Anonymous — Wed, 17 Feb 2016 18:24:33 GMT

Thank you kindly. I appreicate the words.... I would love not to be the next chapter, but Im banking on being so...

I will DEFINITELY update -- it all truly depends on the mood of the rep who reviews my account. I did however preemptively email my contact in EO (Manager) requesting more info, and immediate action -- she has been GREAT in past. My card has been frozen 36 hours now. I may have mistyped that earlier

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

kdm31091 — Wed, 17 Feb 2016 18:44:25 GMT

I think it's less about Chase and more about the general situation. Most lenders don't like to see cash advances, especially at casinos. So I think the action isn't surprising. Hopefully this gets resolved in your favor, but definitely stick to cash or debit for gambling!

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 19:06:04 GMT

Sorry to hear that. So far I have had 1 cash advance done at a casino with my Chase Ritz and 2 with Citi Premier by my brother who is an AU. I have paid them off immediately after each time and spoke to Citi about it to see if it would be a problem and intend to call Chase later. Wish the best outcome for you.

*The reason he does it is because he was once mugged but then taken in order to go to an atm to withdraw from account and refuses to have his atm card with him.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

redpat — Wed, 17 Feb 2016 19:28:25 GMT

Considered a higher end card, strike one cash advance, strike two at a casino = strike three frozen.

Sorry to hear.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 19:28:16 GMT

***** UPDATE!!!!

I SURVIVED!!! I called in, spoke to SR LENDING RISK Rep -- she put me on hold to complete her review. She came back after 10 min and said she SPed my EXP, saw great payment history, asked about my TON OF INQs and said no problem, she cleared my account, opened ti back up and said I should be good "for some time" although accts can undergo periodic reviews. She noted my excellent payment history with chase, and my card is now ACTIVE!!!!

Like I said, it depends who you get -- she was super nice. Then transfered me to Fraud to clear the OTHER hold from the Cash advnaces lol. Used it just now, we are golden !!

CHASE Lending CAN be beat! WOOOOOOOOOO!!!! She said great credit history, and that was it -- apparently these account reviews are like AMEX FR -- she said based on them they either CLD you, close you or no action.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 19:29:06 GMT

Wells Fargo is good about it.

Last summer in Vegas, maxed my WF Debit for the day, pulled out a WF CC for a cash advance and then pulled out a different WF CC before the night

was over (I am not lucky)

Day 2,3 and 4.... Rinse and repeat.

I only like to use my WF cards to pay at casinos, attorney fees, speeding tickets and medical expenses. Can't seem to rattle them. LOL

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

redpat — Wed, 17 Feb 2016 19:30:02 GMT

Good to hear. Still flirted with disaster with a cash advance.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

takeshi74 — Wed, 17 Feb 2016 19:43:37 GMT

If this is what you're like when you don't care I'd hate to see when you do care.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

galahad15 — Wed, 17 Feb 2016 19:47:11 GMT

Congrats!

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 19:49:29 GMT

@Anonymous wrote:
***** UPDATE!!!!

I SURVIVED!!! I called in, spoke to SR LENDING RISK Rep -- she put me on hold to complete her review. She came back after 10 min and said she SPed my EXP, saw great payment history, asked about my TON OF INQs and said no problem, she cleared my account, opened ti back up and said I should be good "for some time" although accts can undergo periodic reviews. She noted my excellent payment history with chase, and my card is now ACTIVE!!!!

Like I said, it depends who you get -- she was super nice. Then transfered me to Fraud to clear the OTHER hold from the Cash advnaces lol. Used it just now, we are golden !!

CHASE Lending CAN be beat! WOOOOOOOOOO!!!! She said great credit history, and that was it -- apparently these account reviews are like AMEX FR -- she said based on them they either CLD you, close you or no action.

Seems like you did care, after all. Oh well, it's better to see someone happy than annoyed...

EDIT: Good for you.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

Anonymous — Wed, 17 Feb 2016 20:01:45 GMT

Don't do it again, but then again, you probably can do it anytime forward. I wouldnt CA
My first two swipes with my Chase Freedom were to get gas and drinks at a casino. Yes theres a gas station on the casino property. Fill up before you go in, you might not have any left haha.

Re: HERE IT COMES ... CHASE Froze my RITZ!!! Under Review !

CreditCuriosity — Wed, 17 Feb 2016 20:21:06 GMT

Cash advances and Casinos are a bad mix IMO.. Mix a bit of Booze and what not into the equation and a person can get in over their head pretty quickly is how a lender most likely see's it. They are probably wondering why does this person use his CC vs. ATM card, is he drunk and not have the cash to cover it or is the house winning and taking all his/our money? I have done cash advances in Casinos back before I knew better about credit and cared about my credit with Cap1 and never had an issue, although it did cost me a ton in fees along with wait for this... Overspending ..

Glad it all worked out though.. I would use my CC being Chase/Amex/Etc at restaurants / club at a casino, but never a cash advance as that is a huge red flag for the majority of lenders and they will freeze that account pretty dang quickly depending on many factors