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Chase - Previous unsatisfactory relationship....(guess I'm not special!)

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Community Leader
Super Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)

Why did you close your old freedom and open another? Bet they shut you down for gaming/churning.

 

Edit: should have read the whole thread. A couple of people beat me to it.







Message 21 of 34
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Super Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)


@Brian_Earl_Spilner wrote:

Why did you close your old freedom and open another? Bet they shut you down for gaming/churning.

 

Edit: should have read the whole thread. A couple of people beat me to it.


LOL LOL

Ive done that so many times




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2020 CCT EX 835 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 22 of 34
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Community Leader
Mega Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)


@beckers wrote:

(and here, I thought I was special but I found this board just googling that and a lot of people have this issue, for lot of different reasons).

 

I had 5 chase credit cards accounts in 2017 and they agree, they were always paid in full and in good standing.  then I cancelled a chase freedom, applied for a different chase freedom, they sent the new card then, at the same time, without informing me (until 2 weeks later via US mail), cancelled all 5 accounts, even the new freedom card which I hadn't even confirmed having yet.  When I called them to find out what happened, they said they have the right to do a random audit and decided I had too much open credit so they closed all my cards.  Again, even the person on the phone agreed I had paid the accounts all in full and ontime for years.  Fast forward a year, I've been closing accounts I don't use, I'm probably still being hit by their 5/24 rule but they are sending me email offers.  Each time I apply (with nothing negative on my credit report) , i get rejected for "Unsatisfactory...." and when I call, they have no idea.  And it's a hard pull on my credit report.  Any ideas what to do to get off their hate/blacklist?

 


find a different lender. Closing all your accounts including a new one is a huge flag Chase doesnt want your business.

Message 23 of 34
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Community Leader
Mega Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)


@beckers wrote:

i do have, though i've had it since 2016, a fraud alert on my credit reports.  my paper medical records were stolen when a previous doctor sold her business, but chase knew this, did the 3 way handshake, and approved the new freedom card then cancelled it.  that's the weird part.


I constantly have fraud alert  on my reports due to all the data bresches and personal preference. This shouldnt prevent approvals only need more verification for approvals 

Message 24 of 34
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Community Leader
Mega Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)


@beckers wrote:

i never thought paying on time and in full would be an issue.


its not. Better to be closed and not owe then owe andbe closed tooSmiley Wink

Message 25 of 34
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Community Leader
Mega Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)


@Meanmchine wrote:

@Remedios wrote:

@beckers wrote:

yes, i'm not opening but i'm also closing not used or "now charging a fee" in the thought of getting whatever bonus it was again, in a few years.  


 

I think you just answered your question on why Chase closed your accounts

 

Sorry it happened, tho 


B---I---N---G---O


and CHASE was his name OSmiley Wink

Message 26 of 34
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New Member

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)

i'm sure it was for the bonus.  but my cl and income and tcl would have been the same.  like that didn't change from them approving the new chase freedom card then immediately cancelling all 5.  that's the weird part

Message 27 of 34
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Senior Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)


@beckers wrote:

(and here, I thought I was special but I found this board just googling that and a lot of people have this issue, for lot of different reasons).

 

I had 5 chase credit cards accounts in 2017 and they agree, they were always paid in full and in good standing.  then I cancelled a chase freedom, applied for a different chase freedom, they sent the new card then, at the same time, without informing me (until 2 weeks later via US mail), cancelled all 5 accounts, even the new freedom card which I hadn't even confirmed having yet.  When I called them to find out what happened, they said they have the right to do a random audit and decided I had too much open credit so they closed all my cards.  Again, even the person on the phone agreed I had paid the accounts all in full and ontime for years.  Fast forward a year, I've been closing accounts I don't use, I'm probably still being hit by their 5/24 rule but they are sending me email offers.  Each time I apply (with nothing negative on my credit report) , i get rejected for "Unsatisfactory...." and when I call, they have no idea.  And it's a hard pull on my credit report.  Any ideas what to do to get off their hate/blacklist?

 


Did you contact Chase directly to find out why they shut you down?

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (5.1.20) EX: 832 / EQ: 846 / TU: 834
Message 28 of 34
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Moderator

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)

I'm pretty sure the OP was sent some form of correspondence regarding their decision for closing the accounts.
Message 29 of 34
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Super Contributor

Re: Chase - Previous unsatisfactory relationship....(guess I'm not special!)

The "previous unsatisfactory relationship" line is used often when they decide you've opened and closed too many cards. They shut you down before for what they felt was aggressive credit behavior and bonus chasing.

 

Unfortunately, you're probably just going to have to let Chase go and move on. You are likely on some type of blacklist for a decent amount of time. Probably not forever, but I would forget about them for a few years. There's no instant cure to getting off of their "naughty list". What's done is done and you just have to let time pass.

Message 30 of 34
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