This is not the case with Citibank Thankyou points. I had about 500K they initially deducted form my account. I called and got the card reinstated due to this. It is amazing that there is no regulation of these point programs. If you earn the points and save them they should have no right to take them. And if this was to be the case they should inform you prior to any card account closing. These programs are too big right now to allow this t ohappen.
Rob