When you post a question, there is a delay before you have time to go look at it depending on which YA servers you are routed through. In that time, if a reliable user sees the violation in their screen (in this case you are chatting) before you get there, a report and violation can happen just that fast. "Do YOU think..." questions are almost always going to be considered chat.
Chat is defined in the YA Community Guidelines (link at bottom of every page). There are specific things listed that you may not think are chat, but Yahoo defines it that way and you have to live with it. You should go to the site dizzay.com and see what a YA type site looks like when chat is allowed.
Just stay away from questions that simply ask people's personal opinion or personal information. Those can sometimes be ok, but most of the time they are chat. Stick with questions that only ask for facts, figures, and data like a teacher might ask in school. You can ask for example Paris Hilton's age, but you can't ask what people thought of her dress. You can ask "What is a good SUV for a big family?", but not "What type of SUV do you drive?".
Chatting is asking questions that can only be answered with personal opinion and to which only you and the answerer will give a hoot. You can tell most of these by the presence of pronouns (I,we,you,me,us) or pronoun adjectives (your,mine,ours). If these are present your question will be chat 90% of the time and if you can not rewrite the question without them, it is chat 99% of the time.
People have different takes on violations, but I hope you will reread the community guidelines for other types of questions that are not allowed and specifically spelled out such as Fill in the Blank questions (link at the bottom of the page).