I don't use my + for anything outside of the 5% cat but I haven't cycled CL nor earned anywhere near the yearly cap for UR in the last 2.5 years. I think that's what has kept me under radar.

Have u had on average more than 25-30K/year spend on 5x only?

I have a mortgage with Chase and several Chase credit cards (I don't have a Chase bank account). I have used Walmart Bill Pay to make my monthly mortgage payment of $2k using gift cards. I do not use bill pay to make any of my credit card payments. I recently came into a lump sum of money and would like to pay my mortgage off with it ($70k), but want to do so getting credit card points. I'm thinking about increasing my monthly Walmart bill pay of my mortgage to maybe $5k to $10K per month (I know I'm limited to 5 payments per 30 days on WM billpay) so that I can pay off my mortgage in less than a year. I know that using billpay to make credit card payments is something that can cause Chase to shutdown your Chase credit cards. Is there much of a risk of triggering a Chase shutdown of all my Chase accounts if I use billpay to make $5k to $10k in mortgage payments a month to Chase Mortgage?

The issue will be what CC are using for these points? If you spend them out and make 2K payments x 5 then you should be fine. Remember this is a marathon don't rush too fast.

Marathon? MS is looking more like Richard Bachman's The Long Walk these days. And we know that Steven King's books are the stuff of nightmares. :eek:

i forgot how much i hated you for your pompous proclamations of nonsense.
Beat these deals to death before they die.
Better shut down than sorry.

Say what you want, but I still have all my BB cards open. I don't have to run all over town to get MO's.

This is true, however, I have slowly stop MSing, I now have ways of getting large spends on my CC's through legitimate means, no more stressing over if my VGC will work at the PO, in fact I am making more points now then before.

unless you have 100 bb-and some do-your puny msing means nothing-including your legit spend.

Now, now - if MS spending is illegitimate then the blame is on the parent bank's failure to get married to ethics before producing so many offspring cards.:D

Just logged into my Barclaycard account.

Barclay Arrival + closed - Account balance 33000
Barclay AA - closed
Barclay AA (2nd) - open

I called customer service and they mentioned that credit department closed for the day but can call tomorrow.

Any suggested strategy to let me keep the barclay arrival plus open with low limit (1000$) so i can keep using it and show good behavior as well as allow me to use my points.

Since people aren't breaking any laws MSing, banks are now making MS even harder. I'm sure they are worried that something is happening that might cause an audit and the banks don't want to deal with that. so losing a couple hundred customers in which they aren't making any money on is better then dealing with audits.

Anyone have DPs or advice on MS (Simon Mall) and WM billpay with Barclay's? Been hitting my Arrival+ pretty hard the past few months (30kish per month mostly paid off via $1998.12 WM BP) as I didn't care too much about shutdown risk, but now that they will be issuing AA cards with EQD waiver I am re-evaluating my risk tolerance.

I advise you to stop immediately, pay off your balance, redeem all points and close your Arrival+ card. Sooner or later they will find out...

Meh - as an old auditor (and banker) I say banks need more, not less audits. As we learned from Wells Fargo - banks have got nothing to hide. :rolleyes:

HK's bank regulator spoke out against banks overdoing AML http://www.hkma.gov.hk/eng/key-infor...20161031.shtml

How are u doing 30k a month? Is it multiple cards?

AU cards and you can BP both MC and Barclay directly (so 20k/mo per card/AU).

all for a 1% net (slightly more)after all the time and hassle involved I stopped MSing my Arrival, just not left with enough to justify it YMMV

Generally agree but it's an easy way to double my "productivity" in terms of VGCs liquidated per WM MO trip (limited to one MO transaction so I do 2k MO (to pay off more valuable MS cards than Arrival+), 2k BP). Wouldn't bother if it was just MSing Arrival miles.

Have a few more travel charges I want to MS away on the Arrival but then will cancel and maybe pickup a Fidelity 2% card to continue MS (since they have literally no other cards I would care about getting shutdown on).

Fidelity is issued by Elan Financial, which US Bank, so you'd be risking getting shutdown by US Bank. Might still be worth it, since US Bank is pain.

Once I get my new Chase SW cards I'm gonna get the EQD waiver card. Don't you do the $1 3-day bcard billpay?

Wow. Didn't realize that barckay issues different account numbers for AUs. Wonder if i can get an AU with my name on it.

I did. I add or delete my middle initial to the au cards

I do both now (for awhile just did next day 1.88 MC payments). My AF is gonna post at end of this month though so will probably cancel card after that. Hopefully the Aviator cards open to new applications in early January.

Barclay card doesn't have handsome rewards, at the most 2%, after cost net gain is 1%, is it worth the hassle for 1% gain?

Read upthread:

You can manufacture $200.00 worth of A+ points (20,000 pts.) for a cost of $52.00 if you order your VGCs from giftcards.com and use a cashback portal like topcashback.com. You net close to 1.5% that way.

Citi shut down my and my wife's accoutns this morning.

She had a preferred, a DC, I had two DCs, an AAPlat, and a TYPreferred.

Lot of heavy cycling this month to take advantage of the no fee at simon.

Bummer. Lost a bunch of pending cashback as well. I assume there is no way to get that back?

If it happened this morning, you may still be able to redeem your TYP by calling TYP customer service directly.

I dont care about the TYP, there werent more than a couple hundred. Its the cashback that I'll miss. That was like 1.5k worth.

What kinda numbers were you pushing?

Do the math - the DC is a 2% rebate card and he has multiples. You can easily figure out the total purchases in order to earn the total $1.5K CB. It is going to be very tough to fight this one since he does not have any meaningful existing TYP balance and the CB lost has not been posted yet.

Looks like Citi has now up to speed in catching cycling. From previous reports people stopped their cycling months before and thought coast was clear, only to still suffer shut down when they hardly used their cards in recent months. Now Citi quickly took action... new DP on this aspect for those who care to take note.

If you can't do the math, that's $75k.

Thats just on my card too. Wifes card was the same. :(

Holy smokes $75k / person. Here I am sweating the MS to meet the min spend on my new CSR/Ink $4k/$5k every time I buy a couple of $0.5k vgc.

Hence your accounts live and his died. @:-)

Too much greed is never a good thing.

Pigs get slathered,,

What were the credit limits on your DC cards?

Pigs get fat, hogs get slaughtered