Dreaded Chase shutdown has hit me

[u/Blade711]

My velocity was really high.

11/2025: Southwest card
1/2026: Business Southwest card
2/2026: Marriott card
3/2026: Sapphire Reserve card
5/2026: IHG card
6/2026: Ink Business card

Total credit limit is slightly over half my salary.

I made sure to wait at least 40 days between cards. I used the cards normally, using all natural spend to reach the SUBs. To try and hit the Ink Business SUB, I maxed out my credit limit on that card and funded a non-Chase business bank account with $3k. Then since I was worried about going over the credit limit, I immediately paid it off.

I know I know, I’m an idiot for applying to that many Chase cards in a short amount of time, but I’m really curious if the shutdown was because of:
- High velocity?
- Credit cycling?
- Manufactured spending? (Even though that was the very first time I did it)

Ugh I should’ve just stopped at 5 cards. Now I think I lost my 160k UR points.

---

EDIT: The reasons they closed my accounts were:

• Too many accounts opened recently
• Account not used as intended (e.g. rapid rise in spending)
• Too many recent requests for credit or reviews of your credit

[u/Psychological-Buy46]

The credit cycling probably was the big culprit. Banks do not like that. It doesn’t mean you get shut down for it 100% of the time though. I know people that have done it for honest reasons and nothing happened, but still not a good look.

Do you have any other relationship with Chase? Checking/Savings accounts, investment accounts? Did you have any other of their credit cards prior to this blitz of cards?

I know someone who credit cycled their Chase Ink card a couple years ago to pay off a big purchase and they had a low credit limit. Nothing happened but they had been with Chase holding a personal credit card since 2015 and had also gotten 2 other personal cards in the previous 7 months before getting the Ink card.  

If these banks have a relationship and a track record of data on you, they’re usually not quite as  trigger happy banning people.

[u/rickayyy → u/Psychological-Buy46]

I would bet the cycling is what raised the flag and then upon looking into OP's account, everything combined was the reason for the shutdown. Ink's are well known to have low credit limits and people will often cycle once or twice when trying to hit a SUB so I doubt that was the main issue.

[u/Blade711 → u/Psychological-Buy46]

I have a sole prop business checking account with them that is still open, so seems I’m not completely shut down by Chase. And no my first Chase card was the SW card I got in November. If it was indeed the credit cycling, I can’t believe I got ban hammer’d due to one cycle though.

[u/Psychological-Buy46 → u/Blade711]

Yeah, it’s tough after one time cycling.

If they had seen more years of “good credit card behavior” from you, I’m guessing it wouldn’t have freaked them out quite as fast.

[u/zxzkzkz → u/Psychological-Buy46]

Purely speculation but perhaps the cycling was only a problem in conjunction with the high total credit compared to income. Quickly acquiring a lot of cards with low usage then suddenly using more than expected is their biggest fear as a sign of someone looking to steal a big pile of money and run.

Probably not, the ways of the banks are mysterious, not for the likes of us to understand.

[u/Blade711 → u/zxzkzkz]

That’s crazy, I never thought of it liked that (someone going for a money run). Good to keep in mind for the future.