Apr 6, 2017, 2:38 pm
Last edit by: ChrisFlyer66
This is the thread for 2017. The 2018 discussion can be found here.
When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.
1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y)
2. Length of account before closure and CL?
3. Average monthly account balance checking and savings?
4. Volume of ms per month and how many months?
5. Cycle CL?
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.
1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y)
2. Length of account before closure and CL?
3. Average monthly account balance checking and savings?
4. Volume of ms per month and how many months?
5. Cycle CL?
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
2017 Shutdown Thread
Jan 19, 2017, 9:49 pm
#47
Join Date: Nov 2011
Posts: 1,944
Stop in the name of the Grammer Police!
Churring is defined as:
"The sharp whirring or trilling sound made by some insects and birds, such as the grasshopper and partridge."
While Aesop's Fables suggest MSfolk are more grasshopper than ant and the bible suggests that we are like the birds of the air, our ability to MS by churring is a new one on me.
But if you really have figured a way to MS by churring cards please keep the secret to yourself as the evil bloggers will jump on it and soon kill this novel technique.
Churring is defined as:
"The sharp whirring or trilling sound made by some insects and birds, such as the grasshopper and partridge."
While Aesop's Fables suggest MSfolk are more grasshopper than ant and the bible suggests that we are like the birds of the air, our ability to MS by churring is a new one on me.
But if you really have figured a way to MS by churring cards please keep the secret to yourself as the evil bloggers will jump on it and soon kill this novel technique.
Jan 24, 2017, 4:47 am
#48
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
Ain't that discrimination when a bank closes credit cards for (MS) customers with excellent credit and repayment histories? I guess they prefer customers with poor credit and repayment histories so they can create another financial crisis like the one that lead to the Great Recession. Then these wise bankers can force taxpayers with excellent credit and repayment histories to subsidize their failures and gross management incompetence. 
It's called TOS, but you knew that already
I have it's called flipping houses, doing pretty good, I'm not going to waste my time running all over town getting money orders when on one house I can make between 30-50K worth of points, do that 5-6 times a year.
Jan 24, 2017, 7:15 am
#49
Join Date: Oct 2014
Posts: 827
Jan 24, 2017, 9:09 am
#50
FlyerTalk Evangelist
Join Date: Jul 2006
Location: Upper Sternistan
Posts: 10,041
Seems easier to flip a house than to spend an hour at Walmart, no?
Jan 24, 2017, 9:19 am
#51
Join Date: Aug 2015
Posts: 135
After trying to ACH money in into UFB, got a flood of emails saying that my external connections were all suspended, and that the account was suspended. I only use this account for MOs and payments to 2 cards.
CSR said it was suspended because the names didn't match on the bank accounts (external was in my wife's name). Suggested that I could do the ACH from the other bank into UFB instead, that is never an issue. Said all suspensions should be lifted by tomorrow.
CSR said it was suspended because the names didn't match on the bank accounts (external was in my wife's name). Suggested that I could do the ACH from the other bank into UFB instead, that is never an issue. Said all suspensions should be lifted by tomorrow.
Jan 24, 2017, 9:26 am
#52
Join Date: Mar 2009
Posts: 2,295
I got my three letters today and they all say the same thing:
"We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are no longer able to provide you with a credit card account because of your usage history. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. A consumer credit-reporting agency was not used in making this determination."
So maybe they conducted the review since I asked them to waive the AF on one account and then they didn't like the MS (usage).
I immediately (when I discovered they closed my accounts) redeemed all my Arrival+ points for a statement credit (at a not that great $0.01 value) and they wiped the remaining (the ones I got back at the 5% redemption rate) amount the next day.
Any suggestions about trying to CFPB for anything or should I just be thankful I got something?
"We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are no longer able to provide you with a credit card account because of your usage history. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. A consumer credit-reporting agency was not used in making this determination."
So maybe they conducted the review since I asked them to waive the AF on one account and then they didn't like the MS (usage).
I immediately (when I discovered they closed my accounts) redeemed all my Arrival+ points for a statement credit (at a not that great $0.01 value) and they wiped the remaining (the ones I got back at the 5% redemption rate) amount the next day.
Any suggestions about trying to CFPB for anything or should I just be thankful I got something?
Jan 25, 2017, 1:21 am
#54
Join Date: Oct 1999
Location: Atlanta, GA
Programs: AA PLT, AS 75K, DL DM, HY Globalist, HH Diamond, MC/RZ/SW Platinum, AB/UA Silver, WN CP
Posts: 1,122
I got my three letters today and they all say the same thing:
"We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are no longer able to provide you with a credit card account because of your usage history. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. A consumer credit-reporting agency was not used in making this determination."
So maybe they conducted the review since I asked them to waive the AF on one account and then they didn't like the MS (usage).
I immediately (when I discovered they closed my accounts) redeemed all my Arrival+ points for a statement credit (at a not that great $0.01 value) and they wiped the remaining (the ones I got back at the 5% redemption rate) amount the next day.
Any suggestions about trying to CFPB for anything or should I just be thankful I got something?
"We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are no longer able to provide you with a credit card account because of your usage history. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. A consumer credit-reporting agency was not used in making this determination."
So maybe they conducted the review since I asked them to waive the AF on one account and then they didn't like the MS (usage).
I immediately (when I discovered they closed my accounts) redeemed all my Arrival+ points for a statement credit (at a not that great $0.01 value) and they wiped the remaining (the ones I got back at the 5% redemption rate) amount the next day.
Any suggestions about trying to CFPB for anything or should I just be thankful I got something?
Last edited by Carl; Jan 25, 2017 at 1:26 am
Jan 25, 2017, 2:43 am
#55
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
Or stepping foot into a wall mart of PO
Sounds like you know nothing about flipping a houses which is fine, it's not for everybody. Some people like spending hours at the PO and some do not.
Jan 25, 2017, 4:49 am
#56
Join Date: Nov 2014
Posts: 60
I also know a thing or two about flipping and i agree MS is preferable, mostly because of the lower chance of disaster.
Jan 25, 2017, 8:59 am
#57
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Being a flipper only works so long until you get too close to the trawlers and end up as bycatch.
Jan 25, 2017, 10:10 am
#58
Join Date: Oct 1999
Location: Atlanta, GA
Programs: AA PLT, AS 75K, DL DM, HY Globalist, HH Diamond, MC/RZ/SW Platinum, AB/UA Silver, WN CP
Posts: 1,122
I just got an email notifying me of an external transfer from my Barclays savings account. At first I thought it was phishing. Nope, it was legit. Wait, did someone somehow add a new bank account and take my money? Nope. Barclays closed my account and transferred the balance to an external account on file. Guess it takes a bit longer, but they don't just stop with credit cards.
Jan 25, 2017, 11:17 am
#59
Join Date: Nov 2014
Posts: 60
I just got an email notifying me of an external transfer from my Barclays savings account. At first I thought it was phishing. Nope, it was legit. Wait, did someone somehow add a new bank account and take my money? Nope. Barclays closed my account and transferred the balance to an external account on file. Guess it takes a bit longer, but they don't just stop with credit cards.
Jan 26, 2017, 5:56 am
#60
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,453
That is until your accounts are closed or frozen, and with the rate accounts being closed, I think MS is on it's way out BTW isn't this threat about shutdown thread, so how much time before your CC accounts are closed?