Originally Posted by Iron Man 11

My wife just got her Red card cancelled. The email said it was in violation of section 5 and 15d of the T&C. She called them and asked why and they just said she was in violation of ACH withdrawal agreements.

If you deposit moneys into your account and then withdraw them to your bank account, be aware that you will be further scrutinized and possibly closed. We were withdrawing ~5K to her account to use to pay our mortgage. We've done this for about 3 months with no issue. She screwed up and withdrew ~9K this month.

I don't know what the magic number is, or what triggered the account closure. I'm guessing it's most likely the large withdrawal amount. Amex CS said that whatever funds were left in the account would be mailed as a check in 7-10 business days.

Another data point - I got a suspension of my account for trying to withdraw 4.6K to my bank account. It got cleared up as soon as I sent in my bank statement and my driver's license.

Lesson: limit your withdrawals to your bank account via ACH methods. Use the bill pay feature to pay your "bills" to stay under the radar.