Originally Posted by Tumbler

My story is similar but without the returned payment or any MS to speak of. I had never used Apply Pay and thought I would try it and get a $500 Amazon card at Whole Foods. I generally don't MS and I might have maxed out my Freedom Bonus once in 10+ years having the card. The usage triggered a fraud alert and suddenly my account was under review. They closed down the Freedom and CSR that I actually left open after the first year. My FICO is also over 800. The bureau gave them too many credit cards (I have 10 open with the newest the CSR that was 1.5 years old) and sudden increase in revolving balance (I owed $2k across all accounts which is about average for my monthly spending). I have 30 days to do something with my UR points.