No, I'm not saying MS is criminal activity, was referring to the fact that there's constant fraud with VGCs & MCs (which is what we mostly do churning and MS with) hence stores and banks freak out and tend to curb or ban such behaviors (because to them we seem to walk like a/the duck), as opposed to spending resources to trace every transaction to see which is criminal and which is MS.

Likewise, I didn't say or imply banks would let the ML fly just because they seem to ban people for other stuff, it isn't either guard big criminals or none. Since churning & MS is what we do we wanna figure out why banks shut us down (figured that is the point of these discussions and not ML inherently), so I told you why I think they do so. Your argument seemed to be 'we are all legal here banks, please look over there at the big dirty ML cash money'. Yeah ok, next time I talk to Chase for recon I'll let them know you said so and to please leave us alone. :D

Yes I just got notification.

Anyone have success asking for a second chance / other way to keep it open?

I've had a DCU account for 2-3 years. Only did incremental MOs to help with spend minimums, so maybe 2-3k/mo for certain windows of time.

I would think I was a really low risk but maybe not?

Were you mixing in any organic spending as well?

Two CCs shutdown by Capital one for past non-consistent expense as per expectations.

1. CC Brand: Capital Spark and venture CC. venture was Dormant a/c and Capital Spark had organic house hold expenses.
2. Length: For 21 months to load Buxx card. No MS from Jan with end of Buxx card.
3. MS amount: $1600 per month
4. Re-cycle CC limit: No
5. Bill Pay: Paid regularly using Buxx Debit card.

Ladies and gentlemen that's exactly how you log a proper DP!
Thank you whoami.

And yet we're no closer to figuring out the pattern. I do very heavy MS on my spark, at the mall, and throw in occasional shopping/grocery whenever I happen to have that card in hand. Been doing that for 2 years.

I resent being told I waddle like a duck. It is a medical condition caused by having several pounds of plastic gift cards in my pockets for so many years. Them stores and banks is unfairly discriminating!

BB Thing was shut down after 2 mo, so lost my fourth 1%. Three is still pretty good. I hit it hard coz it's only good for 3 mo anyway. 6x CL/mo (120k) x 2 mo. CSR said spending more than half your annual income in one month, 2 mos in a row, draws human eyeballs.

Anybody have experienced negative impact on new CC applications for having remark "Canceled by credit grantor" on credit report due to shutdown.

How do you pay? Paying a CB card with a known MS tool, (for me...Bluebird), is asking for trouble IMO. That's what got my WF grocery shut down a couple of years ago, per CSR. As for miles and points cards, they don't care how, or how much I MS. When I cycle those on 100% MS, they just increase the CL.

Strange thing happened - applied for US Bank Altitude card - went for manual review. At the same evening my cards stopped working (flexperks busn and personal). Called them (thought it might be a fraud alert) - was told that account under review and somebody will call. Nobody called, but 2 cards (club carlson personal and business disappeared from my online account, flexperks cards are still there). I heard that US bank doesn't like to give more cards if sufficient CL is given. I wonder would it be a total shutdown?

There were datapoints about people's accounts being shut down during the olympics promo last summer. It was something along the lines of applying for a new card can open you up for manual review.

I pay out of my regular checking acct, which gets fed with MOs. I agree, seems like doing bill pay is the common theme among shutdowns.

yes, I referred to that time. I wonder if it is over or not (accounts closure)- I have healthy balance of flexperks and don't want to lose them.