I had an odd conversation with Citi a week ago. I inquired about reducing the annual fee on my Citi Business Visa and was asked if the annual fee is the reason I had closed several other accounts. I didn't know what she meant at the time, because I had only closed 1 Citi account in 3-4 years (and I have old cards with Citi including a 16 year old AA MC).

I wonder if banks in general are now reviewing more credit report data than before. The rep must have noticed my other closures with Chase and Barclays.