topic Re: Chase Closed my account arrgh in Credit Cards

Chase Closed my account (then reopened it!!) Update

webhopper — Mon, 09 Apr 2012 20:52:23 GMT

So, I'm at the store, and my card gets declined, which I thought was real odd since I had just paid my statement balance which was due on 4/5/12. So after I leave the store, I call customer service, and I found out that my account was closed... Wow.

I had just paid off my Chase Auto loan one year early which was for 36 months... I've had Chase Student Loans since 2007. I had a Chase Freedom in 2008... I've had about 4 other Chase auto loans in my lifetime. Chase really made me aggravated by closing my account.

I did refinance my truck through NFCU, and the new account is posting without the old account showing as closed. Would that have done it? My Discover also posted a large balance since I just bought a cruise with it. The statement balance was 3k, and I paid it down to $1200 already, which brings my discover balance to $1200. My Discover account is on a 6 month 2.9% APR promotion right now which I was offered in January. When I refinanced the truck, NFCU offered me their Visa, so I'm glad I took since obviously chase doesn't want my business anymore. The amount that I charged in the first Chase statement cycle was $1425, which I attempted to pay in full on 3/30 but the payment didn't go through due to a typo in entering my bank account info. So I noticed the payment didn't go through, and I checked on it on the 5th, and re-typed the info, and it went through with no issues.

Anyways, if Chase wants to close the account that's fine, but why give me an account if you don't want me using it? Anyways I'm getting married in May, and the charges on my Chase card were for the wedding. Our family income is around 180k annually, and I just received my bonus in the amount of 16k, so its not like i'm charging things that we can't afford to pay cash for. My amex statement closed on the 6th so I paid in Full on the 7th in the amount of $2953...

For those of you who are wondering, I put a lot of business expenses through my CC accounts (travel, supplies, etc.) which are reimbursed. I just bought a house, so I've been running things through the cards for the house as well.

Anyways Thanks for letting me vent my frustrations, if Chase doesn't want me, its their loss, Amex is more than happy to benefit from my transaction fees!

Update! My account has been restored, the customer service rep asked my income when I called at 9 am this morning... thanks everyone for the suggestions and support.... Love this forum!

Lessons Learned:

1. Always push payments first to make sure they go through.

2. Double Check your account info you enter when paying a bill, especially if this is the first time you're using the account to pay that bill.

3. If a payment doesn't show up in your checking account, double check to see that it was made properly!! If I hadn't done this I would have had to pay late payment fees.

4. Always pay your bills on time and pay more than the minimum due... I think if i had made only the minimum, instead of the entire statement balance I would have had less of a positive standing in their eyes.

Re: Chase Closed my account arrgh

Anonymous — Sat, 07 Apr 2012 19:53:59 GMT

I'm really becoming disillusioned with Chase.

Was a CSR able to give you a reasonable answer why?

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 19:56:52 GMT

@Anonymous wrote:
I'm really becoming disillusioned with Chase.

Was a CSR able to give you a reasonable answer why?

The CSR was not able to access the reasoning... He gave me a number to call on M-F 8am-5pm

I'm dissillusioned as well... I've been banking with them since 1999-2000ish when they bought Bank One. However, I just switched my regular checking to IBC since that's where my fiance banks and the branch is close to our house. My sister, mom, and dad all have Chase Freedom with 5 digit limits... what's Chase's deal?

Re: Chase Closed my account arrgh

crunching_numbers — Sat, 07 Apr 2012 19:57:31 GMT

I would definitely call the backdoor and figure out what happened. Something just doesn't seem right. Was the payment late on a new account or something? Could there be a fraud issue?

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 20:58:57 GMT

@crunching_numbers wrote:
I would definitely call the backdoor and figure out what happened. Something just doesn't seem right. Was the payment late on a new account or something? Could there be a fraud issue?

The payment was due on 4/5/12, so the payment wasn't late at all. Its just that my earlier payment on 3/30 didn't go through properly because of a typo. I typically pay bills about a week or two before they are due. For example, discover is due on 4/21, and it was paid way early.

It may be triggered for fraud, because I am traveling this weekend. I did open up Amex and Chase in the same month... Maybe chase doesn't like me being in bed with Amex LOL, they think I'm cheating

Also, they may think that I bought a new vehicle instead of refinancing the old truck loan I had with Tulsa Federal CU.

I've gone a long time with Discover being my only CC account, and if I had to go back to that I would, but still, closing with no warning seems very coldish

Re: Chase Closed my account arrgh

LS2982 — Sat, 07 Apr 2012 21:03:10 GMT

@webhopper wrote:
So, I'm at the store, and my card gets declined, which I thought was real odd since I had just paid my statement balance which was due on 4/5/12. So after I leave the store, I call customer service, and I found out that my account was closed... Wow.

I had just paid off my Chase Auto loan one year early which was for 36 months... I've had Chase Student Loans since 2007. I had a Chase Freedom in 2008... I've had about 4 other Chase auto loans in my lifetime.     Chase really made me aggravated by closing my account.

I did refinance my truck through NFCU, and the new account is posting without the old account showing as closed. Would that have done it?    My Discover also posted a large balance since I just bought a cruise with it. The statement balance was 3k, and I paid it down to $1200 already, which brings my discover balance to $1200. My Discover account is on a 6 month 2.9% APR promotion right now which I was offered in January. When I refinanced the truck, NFCU offered me their Visa, so I'm glad I took since obviously chase doesn't want my business anymore.   The amount that I charged in the first Chase statement cycle was $1425, which I attempted to pay in full on 3/30 but the payment didn't go through due to a typo in entering my bank account info. So I noticed the payment didn't go through, and I checked on it on the 5th, and re-typed the info, and it went through with no issues.

Anyways, if Chase wants to close the account that's fine, but why give me an account if you don't want me using it?  Anyways I'm getting married in May, and the charges on my Chase card were for the wedding. Our family income is around 180k annually, and I just received my bonus in the amount of 16k, so its not like i'm charging things that we can't afford to pay cash for.   My amex statement closed on the 6th so I paid in Full on the 7th in the amount of $2953...

For those of you who are wondering, I put a lot of business expenses through my CC accounts (travel, supplies, etc.) which are reimbursed. I just bought a house, so I've been running things through the cards for the house as well.

Anyways Thanks for letting me vent my frustrations, if Chase doesn't want me, its their loss, Amex is more than happy to benefit from my transaction fees!

Why did they say they closed it on the phone?

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 21:04:43 GMT

@LS2982 wrote:
@webhopper wrote:
So, I'm at the store, and my card gets declined, which I thought was real odd since I had just paid my statement balance which was due on 4/5/12. So after I leave the store, I call customer service, and I found out that my account was closed... Wow.

I had just paid off my Chase Auto loan one year early which was for 36 months... I've had Chase Student Loans since 2007. I had a Chase Freedom in 2008... I've had about 4 other Chase auto loans in my lifetime.     Chase really made me aggravated by closing my account.

I did refinance my truck through NFCU, and the new account is posting without the old account showing as closed. Would that have done it?    My Discover also posted a large balance since I just bought a cruise with it. The statement balance was 3k, and I paid it down to $1200 already, which brings my discover balance to $1200. My Discover account is on a 6 month 2.9% APR promotion right now which I was offered in January. When I refinanced the truck, NFCU offered me their Visa, so I'm glad I took since obviously chase doesn't want my business anymore.   The amount that I charged in the first Chase statement cycle was $1425, which I attempted to pay in full on 3/30 but the payment didn't go through due to a typo in entering my bank account info. So I noticed the payment didn't go through, and I checked on it on the 5th, and re-typed the info, and it went through with no issues.

Anyways, if Chase wants to close the account that's fine, but why give me an account if you don't want me using it?  Anyways I'm getting married in May, and the charges on my Chase card were for the wedding. Our family income is around 180k annually, and I just received my bonus in the amount of 16k, so its not like i'm charging things that we can't afford to pay cash for.   My amex statement closed on the 6th so I paid in Full on the 7th in the amount of $2953...

For those of you who are wondering, I put a lot of business expenses through my CC accounts (travel, supplies, etc.) which are reimbursed. I just bought a house, so I've been running things through the cards for the house as well.

Anyways Thanks for letting me vent my frustrations, if Chase doesn't want me, its their loss, Amex is more than happy to benefit from my transaction fees!

Why did they say they closed it on the phone?

The CSR I talked to didn't give me a reason. He said I would have to call a different number to get the reason, cause he doesn't have access to that. May have been due to high util% reporting this month... who knows.

Re: Chase Closed my account arrgh

bostonte — Sat, 07 Apr 2012 21:08:14 GMT

So you bounced your first payment on the new Chase card?

I understand from your point of view that's not what happened -- but to the risk management computers that's the deal.

You might have good luck calling on Monday and explaining what happened. An underwriter could probably override. You are probably going to say you already explained to a rep that promised to note in the account it was a typo, but those notes don't come into play until a human reads them. The automated risk software still flagged you.

Re: Chase Closed my account arrgh

LS2982 — Sat, 07 Apr 2012 21:09:56 GMT

@webhopper wrote:
@LS2982 wrote:
@webhopper wrote:
So, I'm at the store, and my card gets declined, which I thought was real odd since I had just paid my statement balance which was due on 4/5/12. So after I leave the store, I call customer service, and I found out that my account was closed... Wow.

I had just paid off my Chase Auto loan one year early which was for 36 months... I've had Chase Student Loans since 2007. I had a Chase Freedom in 2008... I've had about 4 other Chase auto loans in my lifetime.     Chase really made me aggravated by closing my account.

I did refinance my truck through NFCU, and the new account is posting without the old account showing as closed. Would that have done it?    My Discover also posted a large balance since I just bought a cruise with it. The statement balance was 3k, and I paid it down to $1200 already, which brings my discover balance to $1200. My Discover account is on a 6 month 2.9% APR promotion right now which I was offered in January. When I refinanced the truck, NFCU offered me their Visa, so I'm glad I took since obviously chase doesn't want my business anymore.   The amount that I charged in the first Chase statement cycle was $1425, which I attempted to pay in full on 3/30 but the payment didn't go through due to a typo in entering my bank account info. So I noticed the payment didn't go through, and I checked on it on the 5th, and re-typed the info, and it went through with no issues.

Anyways, if Chase wants to close the account that's fine, but why give me an account if you don't want me using it?  Anyways I'm getting married in May, and the charges on my Chase card were for the wedding. Our family income is around 180k annually, and I just received my bonus in the amount of 16k, so its not like i'm charging things that we can't afford to pay cash for.   My amex statement closed on the 6th so I paid in Full on the 7th in the amount of $2953...

For those of you who are wondering, I put a lot of business expenses through my CC accounts (travel, supplies, etc.) which are reimbursed. I just bought a house, so I've been running things through the cards for the house as well.

Anyways Thanks for letting me vent my frustrations, if Chase doesn't want me, its their loss, Amex is more than happy to benefit from my transaction fees!

Why did they say they closed it on the phone?

The CSR I talked to didn't give me a reason.   He said I would have to call a different number to get the reason, cause he doesn't have access to that.    May have been due to high util% reporting this month...   who knows.

Sorry to hear

Im already paranoid about card usage now my brain is really thinking

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 21:34:45 GMT

@bostonte wrote:
So you bounced your first payment on the new Chase card?

I understand from your point of view that's not what happened -- but to the risk management computers that's the deal.

You might have good luck calling on Monday and explaining what happened. An underwriter could probably override. You are probably going to say you already explained to a rep that promised to note in the account it was a typo, but those notes don't come into play until a human reads them. The automated risk software still flagged you.

Possible... who knows. I sent a message to the secure message center, and got the following response:

Dear XXX (me),

I apologize for any inconvenience caused in this matter.

In order to better assist you, I have forwarded your request to the appropriate department for review. You will receive a response to your e-mail within seven days. If you require immediate assistance, please contact
1-877-882-1890 and one of my colleagues will be able to assist you.
If you have any further questions, please reply using the Secure Message Center.

Email Customer Service Representative
1-800-436-7927
Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates.

Re: Chase Closed my account arrgh

clocktick — Sat, 07 Apr 2012 21:44:02 GMT

Ouch, I'm sorry to hear this. I'm curious of the following: which card was it, what was the limit and how long have you had it? Did they say exactly when they closed it? When did you use it last beforehand?

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 22:41:47 GMT

@clocktick wrote:
Ouch, I'm sorry to hear this. I'm curious of the following: which card was it, what was the limit and how long have you had it? Did they say exactly when they closed it? When did you use it last beforehand?

It was Chase Amazon Visa Plat. 5k Limit. I had had the card since Feb 2012. I last used the card on 4/5/12. I also paid the card on 4/5/12 and paid the entire statement balance of around $1400.

For the cashRewards Visa, I was pre-approved for it after sending in all of my financials for the auto refi, so I'm not real worried about it. If this Chase account was closed for real, and not just fraud review, then I'll be more than fine and I'll continue to build my relationships with NFCU and Amex. I would like to have 3 revolvers, so I'll wait a yr or so when the baddies from 2006 and 2007 fall off and then app for an Amex revolver.

Re: Chase Closed my account arrgh

bichonmom — Sat, 07 Apr 2012 22:57:21 GMT

Wow! Sorry to hear that. I just got a Chase, so now I'm nervous. It sounds like maybe the fact that your first payment didn't go through triggered something in their system. I know you paid on 4/5, but still, with computers, who knows? I've not dealt with Chase enough to know if calling would help, but if I were you, I'd definitely want to know why they did it, and if they can take steps to correct it and re-open the acct.

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 23:04:32 GMT

@bichonmom wrote:
Wow! Sorry to hear that. I just got a Chase, so now I'm nervous. It sounds like maybe the fact that your first payment didn't go through triggered something in their system. I know you paid on 4/5, but still, with computers, who knows? I've not dealt with Chase enough to know if calling would help, but if I were you, I'd definitely want to know why they did it, and if they can take steps to correct it and re-open the acct.

Ya, I would like to know why they did it... If its something like a fraud alert on my account since the first payment didn't go through, Maybe an actual person can look and see that there was only one digit difference between the account numbers entered for the payments. I was traveling on 3/30 and entering account info on iphone is somewhat tedious. I'm just glad I was paying attention to my checking balance and decided to follow up after the 1400 payment never came through my account.

Re: Chase Closed my account arrgh

cashnocredit — Sat, 07 Apr 2012 23:15:15 GMT

Banks have a bunch of metrics they monitor new accounts with. The first few months are looked at in fine detail. Anything like entering a wrong account number to ACH a payment raises a flag and can trigger a review or close. There are a widening number of strategies fraudsters use and it doesn't take much of a risk estimate to get AA. Best strategy with any new account is to set up autopay and carefully check account numbers you pull from. This doesn't mean they even think you are gonna do fraud. It just means that in their database of millions of cardholders, certain sequences of internal events in combination with CRs similar to yours fraud has later occured some percentage of the time. Perhaps it's only 3% but those 3% can cost them thousands. They do the math and decide the risk is too high.

However, this is pretty much entirely automated. You have good explanations of your situation and in fact should make a good future customer. There's a reasonable chance you could get them to reverse the decision.

You can find out more about this by googling "first party fraud" and "bust out fraud" to see what banks are up against. FICO is one of the leading suppliers of these banking analytics. You can read about some of what they offer at www.fico.com

EtoA:

They probably won't know exactly why the account was closed. These statistical tests do not lend themselves to specific reasons. A manual reviewer with experience should be able to give you some idea but probably not anything too specific.

Re: Chase Closed my account arrgh

webhopper — Sat, 07 Apr 2012 23:44:44 GMT

@cashnocredit wrote:
Banks have a bunch of metrics they monitor new accounts with. The first few months are looked at in fine detail. Anything like entering a wrong account number to ACH a payment raises a flag and can trigger a review or close. There are a widening number of strategies fraudsters use and it doesn't take much of a risk estimate to get AA. Best strategy with any new account is to set up autopay and carefully check account numbers you pull from. This doesn't mean they even think you are gonna do fraud. It just means that in their database of millions of cardholders, certain sequences of internal events in combination with CRs similar to yours fraud has later occured some percentage of the time. Perhaps it's only 3% but those 3% can cost them thousands. They do the math and decide the risk is too high.

However, this is pretty much entirely automated. You have good explanations of your situation and in fact should make a good future customer. There's a reasonable chance you could get them to reverse the decision.

You can find out more about this by googling "first party fraud" and "bust out fraud" to see what banks are up against. FICO is one of the leading suppliers of these banking analytics. You can read about some of what they offer at www.fico.com

EtoA:
They probably won't know exactly why the account was closed. These statistical tests do not lend themselves to specific reasons. A manual reviewer with experience should be able to give you some idea but probably not anything too specific.

Its quite possible that they may have flagged my account, since my credit profile has changed dramatically in the last few months, since I added 4 new accounts after going a very long period of time with no new accounts. I added an auto loan (refi), and 3 revolving accounts. I've banked with Chase for a very long time, and actually finished paying off a loan with them on 4/2/12. I did close my regular checking account in March, since I moved and the nearest branch was 20 miles away. I'm definately going to call them Monday and see what's up. If the account is truly closed, and not just a computer glitch, I'll just pay whatever is remaining on the account and be done with the whole deal next week. It still makes me concerned and aggravated though.

The statistics and blogs that I read about first-party fraud is crazy... apparently people act as sleeper agents and develop good credit habits with the intention of frauding banks later on down the line. That's just crazy. Oh well, I'll call them up Monday, assure them that I'm not a fraudster, pay them what I owe and be done with it

Re: Chase Closed my account arrgh

BlueHusky — Sun, 08 Apr 2012 00:20:53 GMT

I'm not a chase fan..when I got into some credit trouble a few years ago, my score tanked. Some of my cards decreased my CL's slightly, but none of them canceled me...except Chase. I had two cards and a bank account with them, and had never been late. They closed my Amazon Visa and downgraded the other line quite a bit. Since then I try not to use my other card with them (slate), and with my new AMEX BCE coming in the mail soon, I won't use the slate at all.

Re: Chase Closed my account arrgh

webhopper — Sun, 08 Apr 2012 00:34:34 GMT

@BlueHusky wrote:
I'm not a chase fan..when I got into some credit trouble a few years ago, my score tanked. Some of my cards decreased my CL's slightly, but none of them canceled me...except Chase. I had two cards and a bank account with them, and had never been late. They closed my Amazon Visa and downgraded the other line quite a bit. Since then I try not to use my other card with them (slate), and with my new AMEX BCE coming in the mail soon, I won't use the slate at all.

That's good to know... Ya I ran into credit trouble in 2006, and Discover (opened 1999) and JCPenney (opened 2003) did not close my accounts, so its fair to say that I'm not too worried about Discover, I'll be their customer for life and I'll be glad to always have them in my wallet and recommend them to other fico forum members. Amex and NFCU so far have also been great, so I'm hoping that I can continue building history with them and using them.

I've established my share savings with NFCU and I've started putting money back there for rainy day fund NFCU also saved me quite a bit of money, I refinanced my truck with them and shaved off 4% in APR.. They offered me 3.5% interest for a 36 month loan. Can't beat that!

Overall what I was hoping to do in 2012 is to get started with some tradelines that will grow with me as my career and business take off.. My income has more than doubled in the last 3 yrs, and I'm getting married in May. What I'm wanting is to establish history so that later on, if I take a promotion and need to travel more often, I'll have sufficient revolving and charge accounts to cover my travel expenses. My fiance and I now have 2 of our 3 vehicles paid off and its a great feeling

I decided to pay off his jeep instead of my truck since he had a crazy high interest rate.

Re: Chase Closed my account arrgh

cashnocredit — Sun, 08 Apr 2012 00:45:26 GMT

@webhopper wrote:
@cashnocredit wrote:
Banks have a bunch of metrics they monitor new accounts with. The first few months are looked at in fine detail. Anything like entering a wrong account number to ACH a payment raises a flag and can trigger a review or close. There are a widening number of strategies fraudsters use and it doesn't take much of a risk estimate to get AA. Best strategy with any new account is to set up autopay and carefully check account numbers you pull from. This doesn't mean they even think you are gonna do fraud. It just means that in their database of millions of cardholders, certain sequences of internal events in combination with CRs similar to yours fraud has later occured some percentage of the time. Perhaps it's only 3% but those 3% can cost them thousands. They do the math and decide the risk is too high.

However, this is pretty much entirely automated. You have good explanations of your situation and in fact should make a good future customer. There's a reasonable chance you could get them to reverse the decision.

You can find out more about this by googling "first party fraud" and "bust out fraud" to see what banks are up against. FICO is one of the leading suppliers of these banking analytics. You can read about some of what they offer at www.fico.com

EtoA:
They probably won't know exactly why the account was closed. These statistical tests do not lend themselves to specific reasons. A manual reviewer with experience should be able to give you some idea but probably not anything too specific.

Its quite possible that they may have flagged my account, since my credit profile has changed dramatically in the last few months, since I added 4 new accounts after going a very long period of time with no new accounts. I added an auto loan (refi), and 3 revolving accounts. I've banked with Chase for a very long time, and actually finished paying off a loan with them on 4/2/12. I did close my regular checking account in March, since I moved and the nearest branch was 20 miles away. I'm definately going to call them Monday and see what's up. If the account is truly closed, and not just a computer glitch, I'll just pay whatever is remaining on the account and be done with the whole deal next week. It still makes me concerned and aggravated though.

The statistics and blogs that I read about first-party fraud is crazy... apparently people act as sleeper agents and develop good credit habits with the intention of frauding banks later on down the line. That's just crazy. Oh well, I'll call them up Monday, assure them that I'm not a fraudster, pay them what I owe and be done with it

Ah, another flag. People with checking accounts and credit cards are less risky than just those that just have credit cards. Make sure you tell them you closed it because you are moving. OTOH, moving and getting married are also major life events that are associated with increased risk too and these are soon after you opened the account.

But congratulations. You are on your way and have a lot to look forward to. Computers can be pretty dumb sometimes.

Re: Chase Closed my account arrgh

webhopper — Sun, 08 Apr 2012 00:50:39 GMT

@cashnocredit wrote:
@webhopper wrote:
@cashnocredit wrote:
Banks have a bunch of metrics they monitor new accounts with. The first few months are looked at in fine detail. Anything like entering a wrong account number to ACH a payment raises a flag and can trigger a review or close. There are a widening number of strategies fraudsters use and it doesn't take much of a risk estimate to get AA. Best strategy with any new account is to set up autopay and carefully check account numbers you pull from. This doesn't mean they even think you are gonna do fraud. It just means that in their database of millions of cardholders, certain sequences of internal events in combination with CRs similar to yours fraud has later occured some percentage of the time. Perhaps it's only 3% but those 3% can cost them thousands. They do the math and decide the risk is too high.

However, this is pretty much entirely automated. You have good explanations of your situation and in fact should make a good future customer. There's a reasonable chance you could get them to reverse the decision.

You can find out more about this by googling "first party fraud" and "bust out fraud" to see what banks are up against. FICO is one of the leading suppliers of these banking analytics. You can read about some of what they offer at www.fico.com

EtoA:
They probably won't know exactly why the account was closed. These statistical tests do not lend themselves to specific reasons. A manual reviewer with experience should be able to give you some idea but probably not anything too specific.

Its quite possible that they may have flagged my account, since my credit profile has changed dramatically in the last few months, since I added 4 new accounts after going a very long period of time with no new accounts. I added an auto loan (refi), and 3 revolving accounts. I've banked with Chase for a very long time, and actually finished paying off a loan with them on 4/2/12. I did close my regular checking account in March, since I moved and the nearest branch was 20 miles away. I'm definately going to call them Monday and see what's up. If the account is truly closed, and not just a computer glitch, I'll just pay whatever is remaining on the account and be done with the whole deal next week. It still makes me concerned and aggravated though.

The statistics and blogs that I read about first-party fraud is crazy... apparently people act as sleeper agents and develop good credit habits with the intention of frauding banks later on down the line. That's just crazy. Oh well, I'll call them up Monday, assure them that I'm not a fraudster, pay them what I owe and be done with it

Ah, another flag. People with checking accounts and credit cards are less risky than just those that just have credit cards. Make sure you tell them you closed it because you are moving. OTOH, moving and getting married are also major life events that are associated with increased risk too and these are soon after you opened the account.

But congratulations. You are on your way and have a lot to look forward to. Computers can be pretty dumb sometimes.

Hehe thanks! yah, chase has enough info on me to basically map out my whole life story.... from buying booze with my chase debit card in college, to buying diapers for my first child... Every part time and summer job I've had since I was 18... to getting divorced in 2006! And even opening my own business in 2008.... You would think that they would know that I'm not even the type of person to be a risk... Its not as if I'm 21 and getting married... I'm 30, and my future husband is 34. he makes about 70k a yr and I make about 120k... Chase even knows how much I make!

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