Mithrin said:You are not eligible for this offer if you previously held a card under this rewards program (I assume he means the Disney Rewards). If you have a history of using Chase credit cards only for promotional offers, you are not eligible.They are just upset with all of the people churning the Sony cards (also issued by Chase) for the $100-150 signup bonuses.

According to this thread...yeah

Chase Gave me the boot!

I haven't applied for a credit card over the phone in years. I much prefer on-line apps. I haven't had a denial yet........

DjPiLL said:theman2 said:Mithrin said:You are not eligible for this offer if you previously held a card under this rewards program (I assume he means the Disney Rewards). If you have a history of using Chase credit cards only for promotional offers, you are not eligible.They are just upset with all of the people churning the Sony cards (also issued by Chase) for the $100-150 signup bonuses.


LOL I don't blame them. They have been really good with those bonuses. I literally got my $100 credit on my Sony Card two days after I made my $20 gas purchase. Same here, I got the $100 bonus within a week of my purchase (I did pay it off the day it posted so I could then BT).

I don't like the sounds of this new language if this is indeed thier new policy. With the dropping interest rates and the trend to uncapped BT's, this AOR game is getting a little squeeze...BUT...its not dead yet

I seem to have been targeted...did an AOR 6 months ago, picked up a Chase United miles, Sony visa, and small business card.

One week ago I received notice that the United and Sony card are being close and another long standing line with Chase is being chopped in half. Mind you, I'm 6 month out from my AOR, have overall utilization under 40%, no individual utilization over 85%, score over 700, and am carrying no balances with Chase.

The reasons they gave were balances too high on other cards and number of inquires. To that I call BS.

Edit: While I have collected on several bonus offers, I don't think I would be called a "churner" by chase.

pruks said:Enemy of Enemy = Friend, I like everyone who milks Chase, good work OP.

I had 6 or 7 Chase cards in my Vacation AOR for the great sign up bonuses/points. Their Anti-Fraud dept. called me yesterday once and today twice. On the last call she said "why don't I go ahead and clear all 6 of the fraud alerts off" I said that sounds like a good Idea....'cus these fraud alerts are just wasting your time and mine.

DaveHanson said:
Not to say that those were necessarily Chase's real reasons, but if you don't mind, how high are your highest individual utilizations, and how many inquiries are showing on your report?

Per AMEX credit secure I am showing 14 Experian inqs (7 in last 6 months), 17 Equifax inqs (16 in last 6 months), 2 Transunion inqs (2 in last 6 months).

I don't have the letter from Chase with me that says which agency they referenced for their decision. But, I'm willing to bet it was Equifax, since I have so many inqs there. Hopefully I can hang on to these accounts for a week or so and have them recheck; after October 13 I will only have 3 inqs in the last six months. Although, one could assume that since a human analyst seems to be checking these at this point, they would look at more than 6 months of history.

Again according to Credit Secure, I have one card at 84% and one at just less than 85% utilization (~$40k balance with Citi and ~40K balance with BofA). Looks like I was slightly off in my earlier statement about less than 80% Edit: I just checked and it seems I didn't mention 80%, I was correct in my statement of <85% utilization.

My plan, for any who care to know, is to first call and try to consolidate the closed lines to another Chase card of mine. The closures aren't showing up online yet, so hopefully this will go through. If that fails I'll try to talk to an analyst and ask for options, possibly offer up financial details, show where my balances are on deposit, etc.

I'm pretty much fed up with chase. they chopped my limit by 75% on my perfectcard (never even used it)

I use a Marriott rewards card for spending, which has a 2500 limit. I called yesterday to reallocate some limit on the perfectcard to the Marriott card. The rep I talked to said that he would have to refer me to a special department, who would likely pull a credit report. I told him in essence to shove it. If citi had a visa I'd be much happier. Hell if any reasonable bank had a visa with a pretty good points program I'd be much happier.

sonnysighedup said:bassmanben said:If citi had a visa I'd be much happier. Hell if any reasonable bank had a visa with a pretty good points program I'd be much happier.How about the citi hilton visa? You'd have to change hotels, though. And sometimes it can be a pain to reallocate to/fro citi co-brands and regular citi cards.thanks, I forgot the hilton was a visa. I stay in hilton the most actually...150+ nights a year in hilton, 75 in Marriott and around 30 in starwoods..as well as 30 in priority club (more like 50 this year)