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Chase Situation

mrestrepo79
New Contributor

Chase Situation

Hey everyone, hope everyone is enjoying their holidays. I have a rather unique situation with Chase. I’ll give you the details so you can understand the full picture.

- Around 2011/2012, Chase decided to close my personal/business accounts out of no where. No reason given, just closed. I suspect it had to do with my wires going back and forth between other countries. I closed this company back in 2015.

- Recently I was given the privilege of obtaining a Chase Ink Business card for my other LLC & Amazon Prime VISA for my personal use.

Everything is fine with Chase, but since I’m below 5/24, I’d figure I would apply to Chase Sapphire. I applied and got the 7-10 day response. Upon calling the recon number, they told me my application might take 1-2 weeks. 24 hours later I get a message in the Chase Mobile app that my request cant be completed due to a previous closed deposit/credit card account.

The compliance offer said it’s weird that this even shows up because I was allowed to open cards on the business and personal side.

Should I review this with the executive office?

Please advise and have a Happy New Year!
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Chase Situation


@mrestrepo79 wrote:
Hey everyone, hope everyone is enjoying their holidays. I have a rather unique situation with Chase. I’ll give you the details so you can understand the full picture.

- Around 2011/2012, Chase decided to close my personal/business accounts out of no where. No reason given, just closed. I suspect it had to do with my wires going back and forth between other countries. I closed this company back in 2015.

- Recently I was given the privilege of obtaining a Chase Ink Business card for my other LLC & Amazon Prime VISA for my personal use.

Everything is fine with Chase, but since I’m below 5/24, I’d figure I would apply to Chase Sapphire. I applied and got the 7-10 day response. Upon calling the recon number, they told me my application might take 1-2 weeks. 24 hours later I get a message in the Chase Mobile app that my request cant be completed due to a previous closed deposit/credit card account.

The compliance offer said it’s weird that this even shows up because I was allowed to open cards on the business and personal side.

Should I review this with the executive office?

Please advise and have a Happy New Year!

Decision is ultimately yours, but if you press Chase for consistent behavior they might say fine and close your existing accounts.  Maybe they would have anyway. I see little upside in more Chase eyes on your account.

Message 2 of 4
CreditSweeper
Established Contributor

Re: Chase Situation


@Anonymous wrote:

@mrestrepo79 wrote:
Hey everyone, hope everyone is enjoying their holidays. I have a rather unique situation with Chase. I’ll give you the details so you can understand the full picture.

- Around 2011/2012, Chase decided to close my personal/business accounts out of no where. No reason given, just closed. I suspect it had to do with my wires going back and forth between other countries. I closed this company back in 2015.

- Recently I was given the privilege of obtaining a Chase Ink Business card for my other LLC & Amazon Prime VISA for my personal use.

Everything is fine with Chase, but since I’m below 5/24, I’d figure I would apply to Chase Sapphire. I applied and got the 7-10 day response. Upon calling the recon number, they told me my application might take 1-2 weeks. 24 hours later I get a message in the Chase Mobile app that my request cant be completed due to a previous closed deposit/credit card account.

The compliance offer said it’s weird that this even shows up because I was allowed to open cards on the business and personal side.

Should I review this with the executive office?

Please advise and have a Happy New Year!

Decision is ultimately yours, but if you press Chase for consistent behavior they might say fine and close your existing accounts.  Maybe they would have anyway. I see little upside in more Chase eyes on your account.


Agree with this. 

Be happy with what you have and don't poke the bear any more than you already have. 

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Business Credit-
AMEX: Delta Gold, Amazon Prime, Simply Cash Plus
PNC: Visa Business
Synchrony: Lowes
Message 3 of 4
CreditInspired
Super Contributor

Re: Chase Situation


@mrestrepo79 wrote:
Should I review this with the executive office?


If I were in your shoes, I wouldnt even THINK of poking that big bear; but of course, the decision is yours. 


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Message 4 of 4
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