Wow, this stings. First involuntary shutdown in 8 years of MSing.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.

Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.