Originally Posted by
1matthew8
The way I see it is that if they are calling me for info regarding my account activity then they probably need a little more info to justify closing my accounts. I was not about to help them. I just paid off my accounts and closed them myself.
But the calls can be marketing calls. "We''ve noticed a lot of activity on your card--would you like a larger CL?" Or they can be anti-fraud calls. "Did you make these purchases yourself? Are you under any duress?" Or they're checking to see if you can still be reached, or are still alive (so no one else is using your card). Or it can be a routine KYC policy--AmEx likes to call cardholders with three routine questions.
I don't see you gain anything by closing accounts proactively when the call could be nothing at all to worry about.