Originally Posted by
danpeake
Pretty obviously it's the MS. And even if it's accurate that it came from the banking side, all that could mean is someone on that side looked at your whole bank profile (including CCs) and decided to let you go as a customer.
.
Agree that it is your MSing that got you canned.
What most people don't realize is that every time a customer applies for or asks for a banking service, the entire account is perused for various reasons. Primarily, the bank wants to see if they can sell you additional services that will increase your loyalty to them and their bottom line. They are not really looking for scammers per se but when they see something fishy, the rats are going to be called in.
Why did you even apply for the checking account. It sounds like it wasn't used which is somewhat suspicious when you add in all the other credit card activity you had going on.
In the end, just think what a normal customer looks like. They may have a checking account that has deposits and withdrawals on a routine basis and generally not the same amounts unless they are from an employer. The credit cards may or may not carry a balance, but generally don't have tens of thousands of dollars in swings every month unless you have assets to match.
Finally, maxing out your card and paying it off each month with GC purchases is probably a big tell.
The good news for you is that there are DPs on this thread that you may be let back in within several years, unlike Amex who seems to be quite content on permanent bans.
