Chase A/A Master Thread (Now With Poll)

[rileywiles23]

You are supposed to, but the banks don't like it

Hence my question, if I'm msing with my chase cards is it a better idea to lower my total credit line ?

[Hershelsdeals]

Hence my question, if I'm msing with my chase cards is it a better idea to lower my total credit line ?

I wouldn't MS or keep my credit line to high, and please don't ask how much is considered too high, because I don't know

[dovy2]

So I was shut down last August as I increased my spending on CC too Rapidly
applied last week for the UA card, instantly denied, called recon was told that I had a a recent bad experience with bank. when I asked what I can do, was told I have to write to credit analyst dept as they don't have access to my info. HUCA'ed till I found a rep that would email my application to an offline review dep, ant just checked
I was approved for 7k

called a few times already and every rep swears that they never heard of this "offline review" department, or they say that they are the review department. any other pointers that might help?

[steves]

Which number did you call? I had no luck with the reconsideration line, however the lending dpt knew abt it.

[ChaimMoskowitz]

You're not supposed to do MS?

It is not the intended use of the card according to the issuers.

[ChaimMoskowitz]

Hence my question, if I'm msing with my chase cards is it a better idea to lower my total credit line ?

You would want to raise it so you can hit them harder.

[bar19900]

is the lending department the best to contact for reconsideration of your account closure?  is it worth my time HUCA'ing?  I really don't think I have a really bad report that warranted a shutdown.  Or are most of you just eating the loss and looking to get back on their good side in a year or two?

[David_]

Chase shutdown a checking account that I just opened last week ($300 bonus). I have an existing Freedom and CSP that are still open for now. The problem is they locked me out of Chase Online so I can only check account info over the phone. I visited my Private Client banker and they couldn't help other than to setup paper statements for the credit accounts.

[TimT]

Chase shutdown a checking account that I just opened last week ($300 bonus). I have an existing Freedom and CSP that are still open for now. The problem is they locked me out of Chase Online so I can only check account info over the phone. I visited my Private Client banker and they couldn't help other than to setup paper statements for the credit accounts.

Any reason given for the account shutdown ?

[David_]

Any reason given for the account shutdown ?

"Chase has chosen to end its relationship with you."

[Hershelsdeals]

When i called Chase to ask for a CC replacement for my ink card they told me that there was a pop up msg on the screen that asked the next rep that speaks to me to ask me what type of business i have, is that unusual?

[Ephraimh]

When i called Chase to ask for a CC replacement for my ink card they told me that there was a pop up msg on the screen that asked the next rep that speaks to me to ask me what type of business i have, is that unusual?

Pure A/A paranoia

[Menachemfrombp]

this is from ddms back in oct 2013

 -Transferring/Receiving Ultimate Rewards points to/from another Ultimate Rewards points account that belongs to someone besides you or your spouse.
This is a known way to get your Chase accounts shut down. Anecdotal evidence is that transfers directly to someone else’s airline/hotel account (as opposed to Ultimate Rewards account) is safe, though a couple people have reported that they think it may be a trigger as well.

how risky is it?

[cubicles]

this is from ddms back in oct 2013

 -Transferring/Receiving Ultimate Rewards points to/from another Ultimate Rewards points account that belongs to someone besides you or your spouse.
This is a known way to get your Chase accounts shut down. Anecdotal evidence is that transfers directly to someone else’s airline/hotel account (as opposed to Ultimate Rewards account) is safe, though a couple people have reported that they think it may be a trigger as well.

how risky is it?

IME (x100+) never B"H

[CtownBin]

Hi all,

Today I have come across a rather strange situation, and I was wondering what some of the more senior folk here think...

First the background: I was completely A/A'ed by Chase back in August 2013, and had everything closed- which included, at the time, A United Explorer, Sapphire Preferred, Freedom, Ink Bold, and even the checking account. It was probably due to the Chase Gift Cards which were going on at the time. I was never able to get a reason out of them, even after calling the Executive Office, just the same old line about "spending not consistent with expected activity," and that was pretty much that. All my points were lost, but thanks to A LOT of good fortune that only came to about 15,000 all-in.

I didn't know if I could get back or not, and I figured I'd lay low for a bit, but about 9-10 months or so later (May/June 2014) the Ink ran their 60,000 point signup bonus again, for Business Week. I figured I didn't have much to lose, so I went for it- and I got approved! I figured it was because they had softened their stance in the interim, at least that's what reports here and FT were saying. In any event, I was happy and didn't much care what had changed or that it had been relatively soon, and about 4 months later or so in October 2014, I did a 2BM for a Sapphire Preferred and Freedom and was approved for both.

Two months later, in January, my Ink Bold was closed once again. Same thing as before, no reason given- standard expected activity line (but NOT "previous unsatisfactory relationship," I should note.) But this time was different- for whatever reason, my Sapphire Preferred and Freedom were completely unharmed, and worked as normal. And, I was able to get my points out of the Ink, no problem, unlike last time. I don't know why the Ink was singled out- sure, there was some moderate MS at Staples and OfficeMax, but nothing crazy. It could be connected to the previous A/A, but as I said my Sapphire and Freedom were untouched, who knows.

Fast forward to today. I applied for the United Explorer, got pending, called recon. She said it was denied because of "previous unsatisfactory relationship with Chase or its affiliates." I was literally shocked- because since that unsatisfactory relationship happened, I had already gotten approved for THREE new cards, two of which were still active right now! I was tempted to point out to her that this seems strange, given that I have two open cards as we speak- but I didn't, out of fear that she might say something like "you're right, you shouldn't have these" and proceed to close them. She said if I like, she can put me on a 3-5 minute hold to look into a more detailed reason; however, in the moment, I was nervous she might start looking around, realize I should never have been approved for the 2 cards I still had, and that it could end badly for me. So I politely said I didn't have time for another hold, thanked her, and hung up.

The question is- what now? It is pretty strange, I think, to be in an "unsatisfactory relationship" with a bank, and yet have 2 open cards with them. Of course, in theory, I would like to play the usual HUCA game and try to get approved for this card- 55k miles is a decent signup, after all. However, if "previous unsatisfactory relationship" is in the application, I have an ugly feeling it will come up with every recon call. Is this true? More importantly- by calling in, do I risk have them poking around and put my 2 open cards in jeopardy? I obviously don't want another all-out A/A from Chase, but 55k miles is a lot to pass up after the pull was already done.

Thoughts?

[rivkao]

I've heard quite a few reports lately from people who got shut down from chase right after opening accounts. Either before or right after spending. Is  chase getting worse? They are definitely worse than amex since they don't even give you a chance, and once it's closed there is no going back.

[bar19900]

I was recently AA'd and they shut down my 3 personal accounts and 1 of my 2 inks.  They wouldn't provide a reason or reconsider.  I truly didn't even abuse my cards.  I wish I knew why my 1 ink is still alive.....I bet it's a mistake.  I also have heard weird  stories like yours where cards were approve but they were technically blacklisted some time ago.

[YG]

Hi all,

Today I have come across a rather strange situation, and I was wondering what some of the more senior folk here think...

First the background: I was completely A/A'ed by Chase back in August 2013, and had everything closed- which included, at the time, A United Explorer, Sapphire Preferred, Freedom, Ink Bold, and even the checking account. It was probably due to the Chase Gift Cards which were going on at the time. I was never able to get a reason out of them, even after calling the Executive Office, just the same old line about "spending not consistent with expected activity," and that was pretty much that. All my points were lost, but thanks to A LOT of good fortune that only came to about 15,000 all-in.

I didn't know if I could get back or not, and I figured I'd lay low for a bit, but about 9-10 months or so later (May/June 2014) the Ink ran their 60,000 point signup bonus again, for Business Week. I figured I didn't have much to lose, so I went for it- and I got approved! I figured it was because they had softened their stance in the interim, at least that's what reports here and FT were saying. In any event, I was happy and didn't much care what had changed or that it had been relatively soon, and about 4 months later or so in October 2014, I did a 2BM for a Sapphire Preferred and Freedom and was approved for both.

Two months later, in January, my Ink Bold was closed once again. Same thing as before, no reason given- standard expected activity line (but NOT "previous unsatisfactory relationship," I should note.) But this time was different- for whatever reason, my Sapphire Preferred and Freedom were completely unharmed, and worked as normal. And, I was able to get my points out of the Ink, no problem, unlike last time. I don't know why the Ink was singled out- sure, there was some moderate MS at Staples and OfficeMax, but nothing crazy. It could be connected to the previous A/A, but as I said my Sapphire and Freedom were untouched, who knows.

Fast forward to today. I applied for the United Explorer, got pending, called recon. She said it was denied because of "previous unsatisfactory relationship with Chase or its affiliates." I was literally shocked- because since that unsatisfactory relationship happened, I had already gotten approved for THREE new cards, two of which were still active right now! I was tempted to point out to her that this seems strange, given that I have two open cards as we speak- but I didn't, out of fear that she might say something like "you're right, you shouldn't have these" and proceed to close them. She said if I like, she can put me on a 3-5 minute hold to look into a more detailed reason; however, in the moment, I was nervous she might start looking around, realize I should never have been approved for the 2 cards I still had, and that it could end badly for me. So I politely said I didn't have time for another hold, thanked her, and hung up.

The question is- what now? It is pretty strange, I think, to be in an "unsatisfactory relationship" with a bank, and yet have 2 open cards with them. Of course, in theory, I would like to play the usual HUCA game and try to get approved for this card- 55k miles is a decent signup, after all. However, if "previous unsatisfactory relationship" is in the application, I have an ugly feeling it will come up with every recon call. Is this true? More importantly- by calling in, do I risk have them poking around and put my 2 open cards in jeopardy? I obviously don't want another all-out A/A from Chase, but 55k miles is a lot to pass up after the pull was already done.

Thoughts?

Similar experience here (without the second partial A/A).
Wife and I were both approved for 2/3BM with no recon necessary 12 months after total A/A (we both lost all CCs and checking accounts). We have both tried appliying for more cards since then (4 months after initial approvals) and both got denied due to previous unsatisfactory relationship, although b"H ka"h previously approved accounts are all still alive and kicking.
very curious.

Has anyone here ever tried applying for a new checking account after A/A?

I was planning to buy 2 x 300/150 coupons, but it just occured to me that we might not be eligible to open checking accounts due to previous unsatisfactory relationships.

If there is no solid info either way, I'll probably buy one first and give it a shot, but if anyone here has experience applying for a checking account after A/A, particularly after being approved for CCs, I'd be interested to hear it.

[Shmulyg]

Has anyone here ever tried applying for a new checking account after A/A?

Just did a month ago. No issues, IME. (They still won't approve me for cards)

[YG]

Just did a month ago. No issues, IME. (They still won't approve me for cards)

Fantastic.
Thanks for sharing!