Completely shut down by Chase

[5KRunner]

This past February, I was approved for a Chase Freedom Unlimited, and that was the 6th new account in 24 months. I applied before I was aware of their 5/24 rule, and after learning about it, assumed I was safe from shutdown due to the fact that I was approved after an HP that included evidence of all 5 of those previously opened accounts.

Last week, two offers appeared in my Chase online account - one for Sapphire Preferred and another for Slate. I was approved for both after another HP, and figured that since they were green-star offers, I was safe.

Just a few minutes ago, I checked notifications on my Apple Watch, and one of them informed me that my SP was no longer the default card for Apple Pay.

I called the number on the back of the SP, and the CSR informed me that all 3 cards were being shut down, effective immediately, with no opportunity for recon.

So, it seems that such green-star offers aren’t bulletproof after all. Be wary, friends...

[Anonymous]

Wow.... 3 months between apps and they shut you down?  Wait for the letters to show up and maybe we can find a way to get them back.

[kdm31091]

Unfortunately it’s becoming more and more common with Chase. Tread very very lightly with them.

[5KRunner]

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@Anonymous wrote:

Wow.... 3 months between apps and they shut you down?  Wait for the letters to show up and maybe we can find a way to get them back.

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I’m not sure I want to be involved with such a touchy lender! Unfortunately I was planning to use the CSP SUB to send my wife on a surprise vacation to Florida. Oh well...

[FinStar]

Sorry to hear about the closures OP. Typically, these AA's are irreversible, unfortunately. Even Reddit reports no luck even escalating to the EO.

Were you able to fulfill the SUB for Freedom Unlimited prior to the closures?

[5KRunner]

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@FinStar wrote:
Sorry to hear about the closures OP. Typically, these AA are irreversible, unfortunately. Even Reddit reports no luck even escalating to the EO.

Were you able to fulfill the SUB for Freedom Unlimited prior to the closures?

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Yes, at least I fulfilled that one.

[Anonymous]

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@5KRunner wrote:
This past February, I was approved for a Chase Freedom Unlimited, and that was the 6th new account in 24 months. I applied before I was aware of their 5/24 rule, and after learning about it, assumed I was safe from shutdown due to the fact that I was approved after an HP that included evidence of all 5 of those previously opened accounts.

Last week, two offers appeared in my Chase online account - one for Sapphire Preferred and another for Slate. I was approved for both after another HP, and figured that since they were green-star offers, I was safe.

Just a few minutes ago, I checked notifications on my Apple Watch, and one of them informed me that my SP was no longer the default card for Apple Pay.

I called the number on the back of the SP, and the CSR informed me that all 3 cards were being shut down, effective immediately, with no opportunity for recon.

So, it seems that such green-star offers aren’t bulletproof after all. Be wary, friends...

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Sorry this happened to you but it appears you were shut down because you applied for two Chase cards simultaneously; those accounts will almost always be shut down when Chase conducts their post-approval reviews.

I'm puzzled though; on 5/15/19 you said you were 13/24 when you applied; now you're saying you were 6/24?

[Anonymous]

Yeah just because you have green checkmarks for both, doesn't mean you can/should apply for both. There are several DPs supporting that Chase doesn't like two apps together.  You probably dodged a bullet on the 5/24 thing, but definitely pushed them too far with the dual apps. 

I barely made it in with their 5/24, with 2 new accounts posting within months of being approved. So I was sweating first 6 months waiting for possible AA/closure. Now that they've billed the first AF, i feel that I'm safe and plan not to do anything to jeopordize that. I had two green checkmarks a few months back even, but felt it was too early to tempt fate. lol

Once I get another year with them under my belt, and under 5/24 again. I'll get that Freedom card.

[5KRunner]

 I was 6/24 when approved for the first, 13 when I was approved for the 2nd and 3rd cards.

[Anonymous]

Geez Louise. I previously referred to Chase as a jealous mistress.  (Mod cut - not here, please)