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-   -   2017 Shutdown Thread (https://www.flyertalk.com/forum/manufactured-spending/1813137-2017-shutdown-thread.html)

brody24 May 10, 2017 3:05 pm


Originally Posted by cdog999 (Post 28294532)
So, one of the big banks just caused a CC shutdown. CFPBed for rewards points but they are stealing them. What other options has everyone used. I was planning on filling a BBB complaint. Maybe something with the State AGs office. Any other good options. Its not enough for me to both with small claims court, but I'd like to make the banks life uncomfortable.

No one could help you with such vague information.

cdog999 May 10, 2017 6:23 pm


Originally Posted by Java Cool Dude (Post 28294598)
Why so vague?

In the city. Double time it. They were big jerks about it and won't provide any info on their decision. Haven't even MSed with them in months

Mamibear May 10, 2017 6:46 pm

with the 2xCB card, I can't remember the poster but I remember his post about getting shutdown while averaging $1500 CB for him and similar amount(?) for his wife. IIRC his CL was $10K and they cycled their CLs doing heavy MS. I hope he reads this and chimes in to let us know if he got back all of his CBs which were confiscated at shutdown.

Mamibear May 10, 2017 6:52 pm


Originally Posted by cdog999 (Post 28295328)
In the city. Double time it. They were big jerks about it and won't provide any info on their decision. Haven't even MSed with them in months

how much CBs did they confiscate from you? what was your CL and how many times did you cycle it consistently for how many months? If let's say, you cycled $5K ten times or more, no wonder you'll get flagged but let's say your CL is $25K cycled one and a half times, they might let that slide. Of course, that's pure conjecture on my part but I really think for those they give low CLs that are cycled heavily, it'll just be a matter of time before they decide enough is enough.

Stivelio May 10, 2017 9:05 pm


Originally Posted by cdog999 (Post 28295328)
In the city. Double time it. They were big jerks about it and won't provide any info on their decision. Haven't even MSed with them in months

did you wait and not redeem any CB regularly?

wrinkle7 May 11, 2017 1:36 am


Originally Posted by Stivelio (Post 28295815)
did you wait and not redeem any CB regularly?

absolutely no reason not to take statement credit or auto deposit the moment your statement hits on citi 2x.
you deserve to be punished.
dont do it again.

Mamibear May 11, 2017 6:37 am


I was planning on filling a BBB complaint.
if you're referring to Better Business Bureau, they're useless for cases like yours so it'll just be a waste of time and effort. It'll be best to focus your effort on getting your CBs they confiscated (why didn't you redeem them soon as statement closed?); if you go to CFPB route, prepare credible answers that'll satisfy them for obviously MS related purchases. If your acct was shutdown in the middle of a statement period, I doubt you can get the CBs from transactions that have already posted. From what I've been reading, most of those who got shutdown didn't get a notice/warning, they just found out all their accounts have been axed.

the last time I forced the same bank to respond to me in my favor was when I filed complaint to CFPB regarding the miles I earned on a checking account.

shitrus May 11, 2017 8:02 am


Originally Posted by Mamibear (Post 28295376)
with the 2xCB card, I can't remember the poster but I remember his post about getting shutdown while averaging $1500 CB for him and similar amount(?) for his wife. IIRC his CL was $10K and they cycled their CLs doing heavy MS. I hope he reads this and chimes in to let us know if he got back all of his CBs which were confiscated at shutdown.

that was me, and I did, but thats all I can say

cdog999 May 11, 2017 9:23 am


Originally Posted by Stivelio (Post 28295815)
did you wait and not redeem any CB regularly?

I did but its not like c@p1 or b@cl@ay where it becomes available immediately. There is a lag since it doesn't become available until statement and then another portion isn't available until after payment. So anyone that gets shutdown is going to have a good 2 months of revoked CB

Mamibear May 11, 2017 11:30 am


Originally Posted by cdog999 (Post 28298098)
I did but its not like c@p1 or b@cl@ay where it becomes available immediately. There is a lag since it doesn't become available until statement and then another portion isn't available until after payment. So anyone that gets shutdown is going to have a good 2 months of revoked CB

I see what you're saying now, you didn't get the other 1%.

To avoid orphaned CBs, my strategy since I started is to PIF on or before statement cut-off date so I get the full 2% which I DD immediately to my bank on file. I make my own calculations to see if it matches the posted CB. I'm on year 3, so far, so good.

wrinkle7 May 11, 2017 1:43 pm


Originally Posted by cdog999 (Post 28298098)
I did but its not like c@p1 or b@cl@ay where it becomes available immediately. There is a lag since it doesn't become available until statement and then another portion isn't available until after payment. So anyone that gets shutdown is going to have a good 2 months of revoked CB

uh no.
charge. pay.
rinse.repeat.redeem.

cdog999 May 12, 2017 11:03 am


Originally Posted by wrinkle7 (Post 28299345)
uh no.
charge. pay.
rinse.repeat.redeem.

98% of the people have useful comments on this forum and then there is the other 2%

uppereastsider May 13, 2017 9:37 am


Originally Posted by CWAL (Post 28268073)
DCU mentions it explicitly.

Thats crazy! And good to know

statesmokes409 May 18, 2017 6:52 pm

I'm interested in paying for a replacement for FT. 10k+ with a solid history of no AA.

DeaconY May 18, 2017 7:20 pm


Originally Posted by statesmokes409 (Post 28330800)
I'm interested in paying for a replacement for FT. 10k+ with a solid history of no AA.

What?


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