At the very least, if citi were to try and say that buying vr and moneypak or gcs were done solely to turn into cash by the purchaser and that they could both prove this and show where it is wrong, then they should be on the hook for the costs someone paid to use their cc to buy all those products.
For example if i put $20k of vr on my cc and they shut me down, then they should give me back $3.95 x 40 vr or $158.
Of course i believe they should give the ty points for the $20k spend but if they did have some way to illustrate what you bought prevented this, you should have never spent those fees on their card. I cant think of what rule theyd cite