topic Re: Chase shut me down... in Credit Cards

Chase shut me down...

Aarvard — Sat, 26 Mar 2016 03:22:24 GMT

I logged in today and found out that Chase has closed all of my accounts: Ink Plus, CS, United Biz, and British Airways. This happened after I asked for a recon through SM for SW Biz.

I have been with Chase for over a year. Recently I did an AoR but only 1 Citi card showed up in my reports. I have 0 HP on TU, 10 on EX and 10 on EQ. I think probably the reason is that I applied for 3 Chase on the same day last month. Chase approved my BA card for 10k, denied the SW Biz and pended my SW personal application. I used to have a checking account with Chase, but closed it last year. Never deposited MO in my checking account. I did around $5500 MS on my Chase Ink +, not that heavy. My FICO scores are 775 TU, 752 EX, 734 EQ.

I called and the rep asked me some questions regarding income and authorized users on my account, and she said that she would send a request to reinstate my accounts, but it would take 48 hours for them to reach the decision. My authorized users recently applied for Chase cards, so I wonder if that's the thing poking them.

Edit: I remember buying around $7,500 VGCs across my cards, but the total amount of ~$13,000 is still low to be detected I think. I almost always pay off my balance within the same billing period, sometimes from my checking account, sometimes from Serve.

Edit 2: I met the spending requirement on my BA card, so will I still get my bonus points?

Update: the authorized user on my CSP got all of his accounts shut down also. He was recently approved for 2 Chase cards. At this point, I'm pretty sure this shutdown thing is related to the two of us applying for many Chase cards at once.

Update 2: In Chase's notice of account closure it says that my accounts were closed due to the following reasons:

Too many accounts opened recently

Accounts not used as intended

Chase decided not to reopen my accounts because of "number of credit card accounts," "too many accounts opened recently," and "too many requests for credit or/reviews of credit."

And on the rejection letter on the same date, my SW personal app was denied due to "previous unsatisfactory relationship with this bank," so now I know I have been officially blacklisted by Chase.

Oh well, it was fun while it lasted

Btw, I sent them a SM and the rep refunded my Ink + AF. He also said that I would receive my 50k Avios in April billing cycle, which I'm kinda doubtful, because as of today I haven't even received 2500 Avios from the purchases made during March billling period.

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:22:07 GMT

Sorry to hear about the closures and hope that they reinstate them. Wonder what set this in motion.

Re: Chase shut me down...

Discover2016 — Mon, 14 Mar 2016 22:26:16 GMT

Yikes sorry to hear! It seems that the MS is what did it for them, that is something that should always be avoided with Chase.

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:28:56 GMT

@Discover2016 wrote:
Yikes sorry to hear! It seems that the MS is what did it for them, that is something that should always be avoided with Chase.

Maybe, maybe not. Depends on what type of MS as $5500 really isnt enough to get their dander up.

Re: Chase shut me down...

Aarvard — Mon, 14 Mar 2016 22:31:26 GMT

@Anonymous wrote:
@Discover2016 wrote:
Yikes sorry to hear! It seems that the MS is what did it for them, that is something that should always be avoided with Chase.
Maybe, maybe not. Depends on what type of MS as $4500 really isnt enough to get their dander up.

Yeah I don't think my $5,500 worth of MS poked the bear.

Edit: Now I realize that I did buy like another $7,500 VGCs at Simon spread across three cards, but ~$13,000 on 3 cards is still low in comparison with other heavy hitter.

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:30:35 GMT

Sorry to hear... Hopefully, you can get it reopened soon. Keep us posted on updates...

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:31:18 GMT

Sorry to hear, hopefully you can get the accounts back..

Re: Chase shut me down...

CreditCuriosity — Mon, 14 Mar 2016 22:33:23 GMT

5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:36:04 GMT

@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.

I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?

Re: Chase shut me down...

Aarvard — Mon, 14 Mar 2016 22:36:04 GMT

@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.

With their 5/24 rule applied on all of their cards, I don't think I will ever be qualified for any of Chase cards again lol.

Re: Chase shut me down...

redpat — Mon, 14 Mar 2016 22:36:08 GMT

It's a big deal for 60k points and others faced the same fate w/ freedom 10% CB.

There feeling is if you did it for $5,500 how much more is being done.

I just saw edit and it looks like they caught you.

Re: Chase shut me down...

Aarvard — Mon, 14 Mar 2016 22:37:50 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.
I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?

Ink + and United Biz both have the same limit of $21,500. CSP is $11,100 and British Airways is $10,000. What annoys me most is that I have to transfer my UR points out to prevent them from clawing mine back.

Re: Chase shut me down...

Aarvard — Mon, 14 Mar 2016 22:39:05 GMT

@redpat wrote:
It's a big deal for 60k points and others faced the same fate w/ freedom 10% CB.

There feeling is if you did it for $5,500 how much more is being done.

I just saw edit and it looks like they caught you.

Yeah I suspect that my SM is the culprit for this whole thing.

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:42:25 GMT

@Aarvard wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.
I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?
Ink + and United Biz both have the same limit of $21,500. CSP is $11,100 and British Airways is $10,000. What annoys me most is that I have to transfer my UR points out to prevent them from clawing mine back.

Yeah, it was definately the secure message. As when you send the message and depending on what the request is, they send it to the right department which in your case was the lending department.

How close were all these applications? I hope you spaced them out...

Re: Chase shut me down...

Aarvard — Mon, 14 Mar 2016 22:46:50 GMT

@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.
I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?
Ink + and United Biz both have the same limit of $21,500. CSP is $11,100 and British Airways is $10,000. What annoys me most is that I have to transfer my UR points out to prevent them from clawing mine back.
Yeah, it was definately the secure message. As when you send the message and depending on what the request is, they send it to the right department which in your case was the lending department.

How close were all these applications? I hope you spaced them out...

Ink + and United in Dec 2015. CSP in Jan 2015. BA, SW Biz and SW in Feb 2016.

"Thank you for contacting Chase about reconsideration for
the Southwest card application.

We redirected your inquiry to a specialist who is equipped
to handle inquiries like yours. They'll respond to your
email within 7 days. If you need immediate assistance,
please call us anytime at the number on the back of your
card. We're here to help.

If you need any other assistance, you can send us a secure
message. We appreciate your business and thank you for
choosing Chase."

I don't even need to wait for 7 days lol

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:48:04 GMT

@Aarvard wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.
I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?
Ink + and United Biz both have the same limit of $21,500. CSP is $11,100 and British Airways is $10,000. What annoys me most is that I have to transfer my UR points out to prevent them from clawing mine back.
Yeah, it was definately the secure message. As when you send the message and depending on what the request is, they send it to the right department which in your case was the lending department.

How close were all these applications? I hope you spaced them out...
Ink + and United in Dec 2015. CSP in Jan 2015. BA, SW Biz and SW in Feb 2016.

"Thank you for contacting Chase about reconsideration for
the Southwest card application.

We redirected your inquiry to a specialist who is equipped
to handle inquiries like yours. They'll respond to your
email within 7 days. If you need immediate assistance,
please call us anytime at the number on the back of your
card. We're here to help.

If you need any other assistance, you can send us a secure
message. We appreciate your business and thank you for
choosing Chase."

I don't even need to wait for 7 days lol

Hate to say it but that's just too many apps in short period of time and as YIM states, the SM caused them to start looking at your accounts.

Re: Chase shut me down...

Anonymous — Mon, 14 Mar 2016 22:53:32 GMT

@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.
I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?
Ink + and United Biz both have the same limit of $21,500. CSP is $11,100 and British Airways is $10,000. What annoys me most is that I have to transfer my UR points out to prevent them from clawing mine back.
Yeah, it was definately the secure message. As when you send the message and depending on what the request is, they send it to the right department which in your case was the lending department.

How close were all these applications? I hope you spaced them out...
Ink + and United in Dec 2015. CSP in Jan 2015. BA, SW Biz and SW in Feb 2016.

"Thank you for contacting Chase about reconsideration for
the Southwest card application.

We redirected your inquiry to a specialist who is equipped
to handle inquiries like yours. They'll respond to your
email within 7 days. If you need immediate assistance,
please call us anytime at the number on the back of your
card. We're here to help.

If you need any other assistance, you can send us a secure
message. We appreciate your business and thank you for
choosing Chase."

I don't even need to wait for 7 days lol
Hate to say it but that's just too many apps in short period of time and as YIM states, the SM caused them to start looking at your accounts.

Agreed. That application timing was too close for comfort... Hopefully, you can get it resolved and have them all or some re-opened.

Re: Chase shut me down...

Aarvard — Mon, 14 Mar 2016 22:59:15 GMT

Agreed. That application timing was too close for comfort... Hopefully, you can get it resolved and have them all or some re-opened.

I will call her back on Wednesday for an update. Just wonder if I can still get my signup bonus for BA card since I met the spending requirement already.

Re: Chase shut me down...

CreditCuriosity — Mon, 14 Mar 2016 23:02:22 GMT

@Anonymous wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:
@Aarvard wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
5500k of MS might of caused it or could of been what pushed them over the edge and caused them to close your accounts.. Guessing when you reconned the SW Biz card they dug a bit deeper and looked for any reason to shut you down and probably picked the 3 apps in one day among possibly the MS they might or might not of picked up on and other factors. Sorry to hear about the closures and wish you luck on getting re-opened.
I have a sneaking suspicion it is the 3 application in one day and then SM'ing them for a recon. Using the secure message often times lets them review your accounts with them.

OP, what were the limits on the cards if you don't mind me asking?
Ink + and United Biz both have the same limit of $21,500. CSP is $11,100 and British Airways is $10,000. What annoys me most is that I have to transfer my UR points out to prevent them from clawing mine back.
Yeah, it was definately the secure message. As when you send the message and depending on what the request is, they send it to the right department which in your case was the lending department.

How close were all these applications? I hope you spaced them out...
Ink + and United in Dec 2015. CSP in Jan 2015. BA, SW Biz and SW in Feb 2016.

"Thank you for contacting Chase about reconsideration for
the Southwest card application.

We redirected your inquiry to a specialist who is equipped
to handle inquiries like yours. They'll respond to your
email within 7 days. If you need immediate assistance,
please call us anytime at the number on the back of your
card. We're here to help.

If you need any other assistance, you can send us a secure
message. We appreciate your business and thank you for
choosing Chase."

I don't even need to wait for 7 days lol
Hate to say it but that's just too many apps in short period of time and as YIM states, the SM caused them to start looking at your accounts.
Agreed. That application timing was too close for comfort... Hopefully, you can get it resolved and have them all or some re-opened.

Agree 70k in credit approx in 3-4 month time and when you sent SM went to lending and they saw what they extended to you and it raised their eyebrows IMO. Computers didn't catch it, but the UW that viewed your request did.

Re: Chase shut me down...

CreditCuriosity — Mon, 14 Mar 2016 23:03:27 GMT

Side note I personally would be transfering those UR's out pronto to a partner so they don't claw them back or try to. Others can weigh in on that