Chase Ghosted Me Harder Than My Ex: How I Got Dumped by My Amazon Prime Visa
2026-02-11 · BuyGetRewards Bodacious Staff
The Day My Credit Card Died
Picture this: You're living your best rewards life, maxing out that sweet, sweet 5x cash back on your Amazon Prime Visa like some kind of points-collecting deity. You've even pulled the big brain move of transferring credit limits from your other Chase cards to really juice those numbers. You're basically the Michael Jordan of credit card optimization.
Then you log into your Chase account and see those three little words that hit harder than "we need to talk": This account is closed.
Cue the dramatic music. Cue the existential crisis. Cue me yelling "WHY HATH THOU FORSAKEN ME?" at my laptop screen like I'm auditioning for a really bad Shakespeare revival.
The Rewards Relationship That Got Too Real
Here's the thing about credit card companies: they want you to use their cards, but not too much. They want you to be profitable, but not too profitable for yourself. It's like dating someone who says they want you to be successful but gets weird when you start making more money than them.
I was that guy. The one who figured out the system and decided to work it harder than a 1990s abs workout video. Chase offers 5% back on Amazon purchases with their Prime Visa? Cool, I'll move all my credit limits there and funnel every possible purchase through Amazon. Prime delivery, Amazon Fresh, gift cards to other stores sold on Amazon – if Bezos was selling it, I was buying it with that card.
The math was beautiful: $20,000 credit limit × 5% cash back = up to $1,000 in rewards annually just from strategic spending. That's a nice little vacation fund, courtesy of Chase's generosity.
When David Slays Goliath (And Goliath Gets Mad)
Turns out, banks don't love it when you actually read the fine print and use it against them. It's like finding a loophole in Monopoly – technically legal, but your friends are gonna flip the board eventually.
Chase apparently runs what I call "optimization sweeps" – basically spring cleaning for customers who've gotten a little too good at the rewards game. They look at usage patterns and think, "Hmm, this person is making us work too hard for our money. Time to Marie Kondo their account."
The signs were all there in hindsight:
- Maxed out rewards categories every month
- Credit limit transfers from multiple cards
- Zero interest in their other "exciting" products
- Generally treating them like an ATM instead of a romantic partner
The Aftermath: Grieving Your Plastic Soulmate
Getting your account closed feels personal, but it's really just business. Chase ran the numbers and decided I was more expensive than a Whole Foods shopping spree. Fair enough – I was basically turning their 5% cash back into my personal salary supplement.
The immediate damage:
- Lost that sweet 5x multiplier on Amazon purchases
- Credit score took a small ding from the account closure
- Had to scramble to update all my autopay settings
- Mild existential crisis about my life choices
The Comeback Tour: Rising from the Ashes
Here's where it gets interesting: I waited exactly six months (long enough for Chase to forget why they broke up with me) and reapplied. Plot twist – they approved me again, though with a much lower credit limit. Think of it as relationship probation.
My new strategy? Play a little harder to get. Use the card regularly but not obsessively. Spread some spending love to their other products. Basically, I'm treating this like a second chance at romance – same person, better approach.
The new math: $5,000 credit limit (ouch) but still that same 5% back rate. It's not the rewards bonanza it used to be, but hey, $250 in potential annual rewards beats $0 from a closed account.
The Moral of This Rewards Romance
Sometimes you've got to reset the chessboard to develop an even better strategy. Sure, my credit limit is smaller than my ego right now, but I'm playing the long game. Slow and steady wins the race, and occasionally that race involves accumulating enough points to fund a weekend in Vegas.
The lesson? Banks want profitable customers, not customers who are too profitable. Walk that line carefully, and maybe don't transfer ALL your credit limits to one rewards card next time. Spread the love, keep them guessing, and always have a backup plan.
After all, there are plenty of fish in the credit card sea – but sometimes the one that got away is worth fighting to get back.
