Originally Posted by Jaffarr1990

Reporting a closure that came as a surprise to me (even though I heavy hit). Had 3 cards with Cap1 and all shut down (venture, spark business, and platinum). Nothing apart from organic spend on spark and platinum, I was heavy hitting on the venture, several years now, about 240k+ monthly. Spoke with them early on when I first opened card several years back and it was all fine with them. Oldest card was the platinum at ~6 years. Never carried a balance and was always cycling my CL (so it’s no duh). Possibly with all this crap that went on with their cyber hack, perhaps accounts got a closer look (maybeee...). I think what caused my case, because I’ve gone years with no issues, is greed. With new limits on gcm ordering, it became more difficult to order over 10k a day in gift cards, so my friend and I discovered that cap1, unlike chs, will issue an entirely different cc number for authorized users on the account, and this enables you to purchase more from the same account on gcm in a single day, to reduce turnaround time, because gcm tracks orders and limits them by cc number now. Never talked about my spending until now online. CL 30k on venture, 20k spark and 5k platinum. Proceed with caution. Mine could be because of heavy hitting, but confused as to why I went so long if that’s the case...received letter in the mail stating “my spending habits did not match their requirement of normal household spending” blah blah.