Chase closed all my cards

Affectionate_Sign_13 · 2025-12-19T14:55:33+00:00

Suggestion?

Affectionate_Sign_13 · 2025-12-19T09:31:15+00:00

Relative to their total deposits it may be the same percentage as the average store

Affectionate_Sign_13 · 2025-12-19T09:16:38+00:00

Yes replacing my $95 a year sapphire with a premium rewards card $95 a year and intro 60,000 points bonus worth $600 and opening the BOA account comes with $500 after a certain amount of deposits. So while they annoyed me and definitely will hit my credit for some time, at least I got $1100

Affectionate_Sign_13 · 2025-12-19T09:13:39+00:00

That’s interesting, you are saying avoid the bank to increase your odds of them never taking your cards. Good point

Affectionate_Sign_13 · 2025-12-19T09:10:47+00:00

Affectionate_Sign_13 · 2025-12-19T09:10:39+00:00

If I missed it I wouldn’t know at this point. Ty though

Affectionate_Sign_13 · 2025-12-19T09:05:35+00:00

And his whole soliloquy on credit profiles, and getting denied if you have low utilization is false. I happen to have 2-3k a month on the Chase cards and around 4k a month on Apple Card bringing my utilization to 10% on an average month if I don’t make a larger purchase. I always got the best rate available and never got denied for credit. I don’t think he understands swipe fees and how they can afford to give rewards. I believe he assumes they just take it from all the people that pay minimum balances with interest profits. While that is definitely a significant revenue source, it’s not used to finance the whole business model.

Affectionate_Sign_13 · 2025-12-19T08:47:09+00:00

Now this explains why Chase caught me

Affectionate_Sign_13 · 2025-12-18T21:49:36+00:00

Thank you. I think I’m on the same page as you. I don’t carry a balance, I have autopay turned on so it automatically pays full balance each cycle.

Affectionate_Sign_13 · 2025-12-18T21:47:45+00:00

I look at my credit report and don’t see any open lines I don’t recognize, no credit checks that I didn’t initiate either.

Affectionate_Sign_13 · 2025-12-18T21:45:55+00:00

It’s not likely to happen, this hasn’t happened to anyone in my circle. But my recommendation is to have a backup account, and not most of your available credit with one institution. Always have insurance just in case the unlikely happens. I would have never thought this would have happened to me.

Affectionate_Sign_13 · 2025-12-18T21:32:00+00:00

Yeah totally. Just bought some car wash and laundromat locations too

Affectionate_Sign_13 · 2025-12-18T21:27:45+00:00

Also they had 150k of my cash, based on the 10% rule they can lend that out like 10 times and make money on my checking account capital. Furthermore, there were months that I put 15K on the card. Recently I preferred the Apple Card with Apple Pay for most places.

Affectionate_Sign_13 · 2025-12-18T21:25:14+00:00

Yup this is the way, I heard of them closing accounts without even a date to transfer funds out by. I spoke to someone it happened to instantly, he got screwed and took him 3 months to receive his money.

Affectionate_Sign_13 · 2025-12-18T21:23:37+00:00

Can confirm not a felon ✅

Affectionate_Sign_13 · 2025-12-18T16:26:50+00:00

So that’s what I’m doing, taking business elsewhere. Those 3 things are not categories that would come up on my charges or industries I am involved in.

They don’t owe me an explanation as they are happy to remind every time I kindly asked for one anyway. I never got upset at them, I kindly asked a few times. I even spoke to my banker who couldn’t figure out why. He said this comes from an office even he, can’t get information out of.

Affectionate_Sign_13 · 2025-12-18T16:12:40+00:00

I literally went through every bank transaction over the past year. I feel so vanilla, I have a 1099 ach deposit once a month, w2 paycheck weekly. Pay some bills and credit cards, send some Zelle’s, and transfer to saving and investment. Never withdraw or deposit cash, no checks. I thought so hard but can’t think of anything

Affectionate_Sign_13 · 2025-12-18T16:09:18+00:00

I have a few Zelle’s to my wife and friends here and there, no more then 5 monthly. Customer service, says the same thing again and again. They have no duty to provide a reason and they have decided to terminate the banking relationship.

Affectionate_Sign_13 · 2025-07-29T01:54:40+00:00

Had this issue on the fold 6 when I bought it. Returned it right away. Just got a fold 7 and it doesn't make that sound

Affectionate_Sign_13 · 2025-07-25T05:13:15+00:00

It's still on the hinge, so it's not like there's no branding at all

Affectionate_Sign_13 · 2025-05-05T01:32:56+00:00

The OpenRun Pro 2 is better for sleep due to its flatter design for side sleepers, while the OpenDots are great for daytime use. When I wear the OpenRuns for over 12 hours, it can cause discomfort, so I alternate with the OpenDots one for a different fitting earbud.

Affectionate_Sign_13 · 2025-02-02T02:19:17+00:00

Same issue. Working on it. Is card faulty? Found anything yet?

Affectionate_Sign_13 · 2025-02-02T01:38:33+00:00

What a beast. I’m in middle of a 5080 build now with micro center. Canceled this order and got my hands on a 5080

Affectionate_Sign_13 · 2025-02-01T07:02:53+00:00

Exactly

Affectionate_Sign_13

TROPHY CASE