1. Full shutdown by BoA for me and SO yesterday:
Personal checking, business checking, joint personal saving with SO, joint saving with mom, SO's checking
BoA Premium Rewards CC, BoA Cash Rewards CC, BoA Business Travel CC
BoA Premium Rewards CC (SO), BoA Cash Rewards CC (SO)

2. Length of account before closure and CL?
around 3 years for most accounts and 1 year for BoA Premium Rewards CCs. Combined CL around $90K

3. Average monthly account balance checking and savings?
between $100K to $200K

4. Volume of ms per month and how many months?
Not exactly MS but around $400K/month in the last 2 months (increased from around $100K in the beginning 2018)

5. Cycle CL?
Yes

No BP. No gift cards. No money orders. I am doing a low margin reselling business and it is taking off recently. 2.625% cash back is important for my business so we were using BoA Premium Rewards.

We have a little over 1M points (worth over $10K) pending on our BoA Premium Rewards CCs for this month's spend. Yet to receive letters but BoA is probably not going to pay out. Statements close in a few days and we will try to redeem but it's not likely going to work. What should we do now?