Take a trip, man. lol

Yeah that's well over a million points lol. It would suck to get those confiscated

i think the evidence posted by many in numerous ft thread belies your experience.

ime, the more you put on a card (within reason and without being shut down!), the larger and more frequent the CL increases. without ever requesting a CL increase, an ink card CL went from 15k-35k in 13 months because i was getting up to the limit, paying off mid cycle, and repeating.

Deleted.

Avoid or not avoid spending more than CL??
 

Our Arrival CLs were 12k each. Income of $120k. Yes, there were many Buxx loads and GCMall purchases. Many redemptions as well. The accounts were closed with about 15k points total. No luck reopening the accounts or getting any credit for the points. About 2 weeks later they closed an account I hadn't used for years. I no longer have any accounts with them.

In all, we redeemed about 6k in the 8 months we had the accounts. Yes, hogs get slaughtered. ;) Lesson learned.

I'll apply for the cards in about 8 months and adjust my usage if I'm fortunate to get the card again.

Do people here have experience getting new accounts with a bank after getting all of theirs closed?

either I'm confused on barclays point accumulation or I'm decoding your post wrong but it seems like you accumulated a grand total of 21k pts. that'd require what -- $11.5k in spend in 8 months which is nothingburger esp given your CL and seems really paltry, something most banks would not bother with... what exactly did you do for them to just hit the kill switch.

if you were indeed spending 2x CL, where did all your pts earned go? something does not compute.

Lappie,
For how many months have you been doing this? And I'm assuming no AA so far?

10-20k

Its all about time. If I am spending 10x my CL and then after 5 months I was told I couldnt do that anymore, that means I am "a head" A LOT of months vs. if I was spending just my actual CL. Its like when VRs were buyable at Office Depot. I would go in and buy the entire rack, not just 1 or 2. If I only bought 1 or 2 for the limited time they were available I would have barely profited anything. By doing it my way, I profited a lot. Risk vs. Reward.

If I was told I could only MS my CL I would either A) ask for a gigantic CL or B) move on to something else more profitable.

I take the approach of gradual build, steady over time, lots of avenues. I've seen some MSers go big and hard, only to get shutdown and blacklisted. Then that avenue is cutoff for them. They chase after the next thing big and hard, then shutdown/blacklist and that avenue is shutoff for them. Or the deal dies, then they have to find something new. Then, they chase after the next thing. . . . I would rather have many many avenues open, so if an avenue is closed, I have many options left. Each avenue is done on a small scale yet collectively add up to a considerable total. Yes, OD was a great deal, yet I had about 10 low risk pipelines open at the time. I did shift some MS to OD, yet it doesn't make sense to shutdown my 9 low risk pipelines to go ALL IN on OD - higher risk and not much more reward. Plus, buying entire racks of VRs puts stress on that MS avenue.

^ ^ Diversification > "Go big or go home"

Deleted.

so you're telling me you were doing $50-200k of MS every month, month after month, and got away with it?

Per card, that would be impressive. Not sure that it works that way, though.