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.
You might be right about nothing to worry about, and I certainly hope you are, but these types of calls are not for marketing purposes or checking if you're under duress. They're specifically inquiring why you buy so many gift cards.
Does anybody know how Cap1 handles returned purchases (like refundable hotel or airline credits)
after the account is shut down? Curious how much power they have to decide with the return. I'm assuming they would send you a check, but with a shutdown for a specific reason, who knows. Does anybody have any DPs?