2017 Shutdown Thread

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This is the thread for 2017. The 2018 discussion can be found here.

When reporting/posting here please give as many details as you can or you will be asked for it anyways. Copy and paste the text below and alter as needed.

1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and [email protected])
2. Length of account before closure and CL?
3. Average monthly account balance checking and savings?
4. Volume of ms per month and how many months?
5. Cycle CL?
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and [email protected])
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
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Old Apr 5, 17, 2:01 pm
  #166  
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Join Date: Dec 2013
Posts: 632
Originally Posted by AlohaDaveKennedy View Post
Were you playing with ST Delta debits or CCs or just recycling paper there?
washing only. No CC.

Originally Posted by Stgermainparis View Post
You're talking checking? Savings? If you don't mind sharing, what was your MO volume and frequency?
Less than $50k a month in the biz. Personal was dormant.
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Old Apr 6, 17, 1:55 pm
  #167  
 
Join Date: Jan 2014
Posts: 53
Add me to the DCU shutdown list. I was hoping based on my patterns and volume I would fly under the radar but no luck.

RIP DCU. You were the best.
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Old Apr 6, 17, 1:57 pm
  #168  
 
Join Date: Dec 2013
Location: NYC
Posts: 4,206
Originally Posted by traveltogo View Post
Add me to the DCU shutdown list. I was hoping based on my patterns and volume I would fly under the radar but no luck.

RIP DCU. You were the best.
How much were you doing?
Domat is offline  
Old Apr 6, 17, 2:01 pm
  #169  
 
Join Date: Jan 2014
Posts: 53
$10-$15k/month for over a year.
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Old Apr 6, 17, 2:16 pm
  #170  
 
Join Date: Sep 2015
Location: Los Angeles
Posts: 734
Originally Posted by traveltogo View Post
$10-$15k/month for over a year.
Thank you for providing the relevant bits.

Now can a moderator make it a rule that you can't post in the Shutdown thread without providing the following details:
Bank, Credit Card info.
Length of account before closure.
Volume of manufactured spending.
Etc...
Java Cool Dude is offline  
Old Apr 6, 17, 4:35 pm
  #171  
 
Join Date: Jun 2015
Posts: 644
Originally Posted by traveltogo View Post
$10-$15k/month for over a year.
did you open the account just last year?
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Old Apr 8, 17, 7:57 pm
  #172  
 
Join Date: Jan 2010
Location: Austin
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, Marriott Titanium, UA *S
Posts: 352
I have a checking account with Ch$ae and obviously a few CC as well. I've been paying my rent ($1k) and car payment ($500) each month by purchasing VGC at WM and then getting MO. My landlord and lessor on the vehicle accept MO without issue.

Is this actually MS?

Is there any risk associated with doing this? Again, Ch$ae sees the direct deposit come in from my employer every two weeks, and the MO are actually paying for things. I'm worried because I love the CCs I have.
Red Raider LV is offline  
Old Apr 8, 17, 9:05 pm
  #173  
 
Join Date: Mar 2011
Location: SAN
Programs: Delta Silver. Hilton Diamond.
Posts: 1,580
Originally Posted by Red Raider LV View Post
I have a checking account with Ch$ae and obviously a few CC as well. I've been paying my rent ($1k) and car payment ($500) each month by purchasing VGC at WM and then getting MO. My landlord and lessor on the vehicle accept MO without issue.

Is this actually MS?

Is there any risk associated with doing this? Again, Ch$ae sees the direct deposit come in from my employer every two weeks, and the MO are actually paying for things. I'm worried because I love the CCs I have.
I don't consider what you are doing to be MS, although buying VGC could possibly raise red flags (Chase doesn't know the MO you buy is "paying for things"). But I think the volume you are doing is very low risk.
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Old Apr 8, 17, 9:14 pm
  #174  
 
Join Date: Sep 2015
Location: Los Angeles
Posts: 734
Originally Posted by Red Raider LV View Post
I have a checking account with Ch$ae and obviously a few CC as well. I've been paying my rent ($1k) and car payment ($500) each month by purchasing VGC at WM and then getting MO. My landlord and lessor on the vehicle accept MO without issue.

Is this actually MS?

Is there any risk associated with doing this? Again, Ch$ae sees the direct deposit come in from my employer every two weeks, and the MO are actually paying for things. I'm worried because I love the CCs I have.
You should be fine as long as you never ever deposit MOs at your Chase checking account.
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Old Apr 11, 17, 4:23 pm
  #175  
 
Join Date: Feb 2013
Location: TX
Posts: 30
Originally Posted by NoonRadar View Post
I haven't seen any DPs about Double Cash. What does normally get people shut down, maxing CL continuously, obvious online MS, something else?
Originally Posted by Happy View Post
Definitely seems so. Citi Double Cash, CapOne QS, Spark, Venture, Barclays A+, Fido 2x, and even Chase UR cards when the UR pts transfer to parties not allowed by the T&Cs. All are currencies that can turn into ready cash or very close to cash.
Originally Posted by Happy View Post
Go back to 2016 thread and the Citi shut down thread 2016. No definite answers but you can get the general culprits by reading thru what people reported. Plenty of it.

Bottom line, as AlohaDaveKennedy points out, the banks all play closer attention to their cards that effectively pay back in cash. if your preferred vehicles to MS are cash back cards, either you only do it very moderately (thus a waste of time/effort) or else you prepare for the eventual outcome. Banks dont like MS on their own inhouse cards that effectively pay back in cash.

i have a citi im doing some MS on for the 5% cash back (but its capped at $300/year) category at drugstores, any DP's on if there is an amount of cashback that is causing the shutdowns?

Last edited by hotttoddie; Apr 11, 17 at 4:23 pm Reason: clarification
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Old Apr 11, 17, 5:11 pm
  #176  
 
Join Date: Jul 2016
Location: NY
Posts: 514
Originally Posted by hotttoddie View Post
i have a citi im doing some MS on for the 5% cash back (but its capped at $300/year) category at drugstores, any DP's on if there is an amount of cashback that is causing the shutdowns?
That's only $6K in spending over the whole year. I can't imagine CB would shut you down for that. Also, the department store bonus is hard to MS, so you might not meet $1500 in the late fall.
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Old Apr 12, 17, 1:02 am
  #177  
 
Join Date: Dec 2013
Location: California
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Originally Posted by FrankMS View Post
That's only $6K in spending over the whole year. I can't imagine CB would shut you down for that. Also, the department store bonus is hard to MS, so you might not meet $1500 in the late fall.
If you're talking about Citi Dividend, the cap is just $6000 per year; there's no $1500 per quarter cap.
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Old Apr 12, 17, 8:55 am
  #178  
 
Join Date: Jul 2016
Location: NY
Posts: 514
Originally Posted by sbft77 View Post
If you're talking about Citi Dividend, the cap is just $6000 per year; there's no $1500 per quarter cap.
thanks for clarifying that. Disregard my $1500 comment above.
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Old Apr 14, 17, 11:22 am
  #179  
 
Join Date: Apr 2010
Posts: 137
Originally Posted by traveltogo View Post
Add me to the DCU shutdown list. I was hoping based on my patterns and volume I would fly under the radar but no luck.

RIP DCU. You were the best.
I hear some chatter on DCU in another forum. Most of the data point is for MO deposit for >10k/month for last year+.
Please share if other has different RIP criteria.
anagoree is offline  
Old Apr 14, 17, 11:30 am
  #180  
 
Join Date: Nov 2015
Posts: 539
Shutdown by Citi. All cards gone.

1) MS
2) MS
3) MS
4) WMBP and Bank payments from 5 different banks


Will miss the ATT card and qatar redemption

Last edited by kingofkingsforu; Apr 14, 17 at 11:42 am
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