Originally Posted by chippy111

Well, my chs3 train has come to an end..... for now.
Haven't got the letter, but all accounts were shut down as of last Friday.
I woke up to my Applepay saying it had removed all my cards from it and I was like, "That's weeeiiiiirddd.".
Then I tried to buy gas .... denied. Me: "Uh Oh". Sure enough, Chs3 rep read the "Chs3 has ended its relationship w/ you.." statement.

I guess I can protest / appeal once I get the the letter of severance which I assume has information on that.

My stats:
1. SHUTdn by Bank: Chs3
2. Length of account before closure and CL:
1nk: ~4 years
Fr3ed0m: ~2.5 years
Fre3d0m Unlim (formaly Sapph pr3f): 6 years
Fr3ed0m Unlim: 2 years
Un1t3d: 7 years
Sapphir3 R3s. 1+ years
Sapph Pr3f: 2 years (only as a secondary account person from wife's account)

3. Average monthly account balance checking and savings? I don't bank w/ chs3 only had CC.
4. Volume of ms per month and how many months? Recently 25K/month. Mostly through Simon and when OD/OM running its deals. Been doing this much for ~ year. Gradually increased from ~5K about 4 years ago to the 25K now.
5. Cycle CL? Never
6. Did you BP using both options? If you mean sending $ though website and doing WM billpay, Yes. If you mean doing wally billlpay to V1sa and to chs3, then No.
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum? Possibly.

The one curve ball that might have raised the flag on me was the fact that the card that I was secondary on was used super heavily one month due to my wife's not being able to use her go-to AM3-ex. She had to use it as her primary means of cc and got right up to the credit limit of the card. The usage jacked w/ my credit utilization % amount and dropped my credit score. She paid it off after a month and my score went right back to where it was, but for a month it dropped below 700. IDK.