chenjian (石头) 于 (Wed Apr 11 10:37:09 2012, 美东) 提到:
不知为什么？ 是不是提前ｐａｙｍｅｎｔ， 在ｓｔａｔｅｍｅｎｔ出来前还钱，导
mcheng82 (battles) 于 (Wed Apr 11 10:37:51 2012, 美东) 提到:
zard (zard) 于 (Wed Apr 11 10:45:57 2012, 美东) 提到:
DBH110 (DBH110) 于 (Wed Apr 11 11:14:01 2012, 美东) 提到:
chenjian (石头) 于 (Wed Apr 11 11:30:23 2012, 美东) 提到:
Fulton (富二代) 于 (Wed Apr 11 11:31:58 2012, 美东) 提到:
cryman (m*********[email protected]) 于 (Wed Apr 11 11:37:06 2012, 美东) 提到:
account used not as intended.
AJ0000000000 (ajsjtupsu) 于 (Wed Apr 11 11:38:41 2012, 美东) 提到:
Linsanity (林书豪) 于 (Wed Apr 11 12:00:37 2012, 美东) 提到:
simon06 (simon06) 于 (Wed Apr 11 13:07:34 2012, 美东) 提到:
guocoh (跋涉者) 于 (Wed Apr 11 13:16:02 2012, 美东) 提到:
zhaoyi26 (猪八戒) 于 (Wed Apr 11 16:45:55 2012, 美东) 提到:
* Don’t buy expensive refundable tickets for the purpose of increasing
credit card spend and getting your money back later.
newjersey (NJ furniture dealer) 于 (Thu Apr 19 15:29:35 2012, 美东) 提到:
FASHIONBABY (FASHIONBABY) 于 (Fri Apr 20 10:28:50 2012, 美东) 提到:
sapphirewing (Audrey的树) 于 (Fri Apr 20 10:32:45 2012, 美东) 提到:
wxhisi (dolphen) 于 (Fri Apr 20 10:50:42 2012, 美东) 提到:
all of your cards and accounts or just one card?
newjersey (NJ furniture dealer) 于 (Wed Apr 25 12:37:33 2012, 美东) 提到:
发信人: newjersey (NJ furniture dealer), 信区: EasyMoney
标 题: Re: chase关卡
发信站: BBS 未名空间站 (Wed Apr 25 12:34:59 2012, 美东)
I saw that thread and figured that I would post since I've directly hit by
Chase closing accounts.
I used to own 3 Chase credit cards including Freedom, Sapphire Preferred and
OnePass. I respectively owned these cards for 2 years, 1.5 year, and 0.5
year when Chase closed my accounts after I did a round of applications.
I checked my credit (it was good, 750-ish) and decided it was time for a new
application round. I applied for four cards, from four different banks (
CITI, AMEX, BoA and Chase). All were approved but the Chase Southwest
personal card. I called them and they told me they had to review it first
and could not make a decision right away. When I checked my Chase accounts
the following week, they were all closed. I called and was transferred all
the way to Chase's "credit gurus". She kindly but firmly explained that I
had become a credit risk as I had too many cards (15) and had a credit limit
too high compared to my household income (Total CL was about 85% of annual
income). I tried to negotiate asking to maybe close a couple accounts or
reducing the CL on my cards. Nothing to do. All the accounts were closed and
will remain this way until I called them back and have them check if they
can re-open them based on my credit report changes. It seems that they may
be placed on some type hold as she said I could re-open them without re-
applying once I've addressed the aforementioned issues.
Now, as far as background. I have never had a single late payment on any of
my cards, my utilization ratio is no more than 5% (often less) total and
rarely higher than 30% on a single card. I apply for cards usually 1.5 times
a year. Two of the cards also where my main spending cards (Freedom and
Sapphire). I admit that my history is a bit short. I got my first credit
card in 2007 and have been opening cards on a regular basis for miles since
then. Another factor that could have been considered is that I also apply
for a Chase Freedom for my wife at the same time (by the way, they closed
her existing Continental account and denied the Chase Freedom).
Needless to say that I was extremely disappointed for not being contacted by
Chase before they closed all my accounts. It felt really wrong. Especially
because once they closed all my accounts, my 120,000 UR points were gone. It
clearly says that there is no way to get your points AFTER your accounts
are closed and that representatives should let you beforehand to redeem your
points. I was obviously not told anything. I tried a few things but never
got the points back (nor the accounts so far).
I checked my credit report and credit score and everything seemed normal
other than my 4 applications in 4 different banks at that time. I've been
told to lay low, see how things go and maybe ask them to re-open my accounts
in 6 months.
littlehope (hope) 于 (Wed Apr 25 12:51:10 2012, 美东) 提到:
lichenlt (Lichen) 于 (Wed Apr 25 13:32:26 2012, 美东) 提到:
你难道看不出来这位老哥最喜欢从美国人论坛上copy & paste帖子过来么？你觉得这是
littlehope (hope) 于 (Wed Apr 25 13:35:23 2012, 美东) 提到:
FDTD (忆江南) 于 (Wed Apr 25 13:35:54 2012, 美东) 提到:
newjersey (NJ furniture dealer) 于 (Wed Apr 25 13:43:06 2012, 美东) 提到:
newjersey (NJ furniture dealer) 于 (Wed Apr 25 13:43:49 2012, 美东) 提到:
呵呵，copy & paste最省力，自己写会累死人的。
ljty (老家太原) 于 (Wed Apr 25 14:02:31 2012, 美东) 提到:
copy & paste 没什么，只要信息有用就好。我觉得newjersey 的帖子大多数都非常有
lichenlt (Lichen) 于 (Wed Apr 25 19:15:29 2012, 美东) 提到:
没说不能copy & paste，注明一下转载总是要的吧？而且有些帖子是人家blog上的，你
askqqq (史壮) 于 (Wed Apr 25 19:58:52 2012, 美东) 提到:
晕 这个东西 读的人应该很容易看出来是C&V吧
newjersey (NJ furniture dealer) 于 (Wed Apr 25 20:57:14 2012, 美东) 提到:
NovSep (NovSep) 于 (Wed Apr 25 21:45:04 2012, 美东) 提到:
newjersey (NJ furniture dealer) 于 (Thu Apr 26 16:10:33 2012, 美东) 提到:
Today, 11:55 am #68
Join Date: Mar 2011
Chase closed my account with 445,000 UR points
Chase closed my 6 accounts including Chase WaMu card(2007)$1000 limit, Chase
Freedom(2007) $5000, Chase Sapphie Card (2011) $5000, Chase United(2012) $
5000 , Chase Southwest(2011) $1000, and Chase Ink Bold(2011) $10000.
Approximately $27000 credit( I have $15k with Citi, 8k with Discover, 11$k
with Amex). On personal income of 60k or household income of 120k but I dont
think that matters. So my best advice is when opening future cards with
Chase, do not request for more credit, request to allocate your existing
credit instead. My father's cards were not impacted, he has as many Chase
accounts as I have but with less then 10K credit limit. All my mother's
chase cards were closed because her limiti was 20k+.
I lost over 450k worth of Sapphire points, they did not allow me to transfer
to other accounts nor redeem miles, however after letter to Executive
Corresponding Team, they did allow me to redeem for cash only. I'm very
disappointed that I could not transfer those to Continental, despite I have
490K miles in continental.
Their reasons for account closure include
~ Too many recent inquiries
~ Too many recently open accounts
~ Too many accounts with Chase or too much revolving credit with Chase
They deemed me a high risk customer, as it appears.
I tried to negoite to keep 1 or 2 accounts open since Chase is my main card,
I charge approximately $1000/month on Chase, but they would not budge.
Chase is my main card that I have been using for years, so I'm profitable to
I have never had a single late payment on any of my cards, my utilization
ratio is 5% or less on each card and however I applied for approximately 8-
10 cars in 2011.
In addition, I checked all my credit reports with scores ranging from 750-
760 with 3 bureaus. recently got a mortgage about 1 year ago. NO bankruptcy,
never missed payments, no negatives at all. Credit age is approximately 7
On the good note, I received an sr financial analyst job offer with finaical
analysis group(for Chase Non-Reward Card), working closely with marketing &
risk management on budget/ marketing developements etc. It's only for one
Chase card product, not sure how much I'd be expose all the marketing
campaigns. Too bad I didn't take the offer, I wonder if I could make an case
if I work closely with the marketing people
Fulton (富二代) 于 (Thu Apr 26 16:14:40 2012, 美东) 提到: