Last edit by: ChrisFlyer66
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 brcl@y)
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 brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
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 brcl@y)
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 brcl@y)
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
2017 Shutdown Thread
#376
Join Date: May 2015
Location: LAX, BUR
Programs: AS,AA,JB, HH Gold, Starriott Titanium Elite, Hyatt Explorist, Global Entry
Posts: 1,933
If you had the same amount of money parked that you were running through might have been a different story.
#377
Join Date: Jul 2015
Programs: SW,SPG,Hyatt
Posts: 87
You're probably right but I didn't have that much to park there. Even if I did, I'd be afraid to park it in an account that I was MSing with for fear that the funds might get frozen.
#379
Join Date: May 2016
Posts: 102
Capital One called me a few weeks ago about my Spark card. They asked me about my business and also about all of the transactions to Giftcardmall. Yesterday I logged into my account and it was locked. I used it for MS and also all of my normal daily spending. Not only that one but I have another account credit card that I used sparingly that got shut down too. I'm not sure why that one was closed as well. I've had that one since I was 18, over 15 years ago.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
#380
Join Date: Sep 2014
Posts: 1,837
Capital One called me a few weeks ago about my Spark card. They asked me about my business and also about all of the transactions to Giftcardmall. Yesterday I logged into my account and it was locked. I used it for MS and also all of my normal daily spending. Not only that one but I have another account credit card that I used sparingly that got shut down too. I'm not sure why that one was closed as well. I've had that one since I was 18, over 15 years ago.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
were you cycling your CL?
#381
Join Date: Oct 2011
Posts: 4,166
Capital One called me a few weeks ago about my Spark card. They asked me about my business and also about all of the transactions to Giftcardmall. Yesterday I logged into my account and it was locked. I used it for MS and also all of my normal daily spending. Not only that one but I have another account credit card that I used sparingly that got shut down too. I'm not sure why that one was closed as well. I've had that one since I was 18, over 15 years ago.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
#382
Join Date: Sep 2016
Posts: 14
Barclay arrival shutdown
Got closure notice last week saying "Your history of account usage"
1. SHUTdn by Bank, Credit Card info. (brcl@y arrival plus)
2. Length of account before closure and CL? (2 years)
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 10k per month for 18 months
5. Cycle CL? No
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y) No
- BP by Vis/MC - Yes, but almost a year ago
2-4 gc dot com purchases per month of about $2500 each for 6-8 months and last gc com purchase in feb
5-6 grocery store $500 purchases once in a week when there was a promotion back in April
Putting 2-4 transactions of 2k to 5k at SMN mall for the last 6 months
Did WMT bill pays almost like 2-4 times a month for 4-6 months in 2016 with MasterCard as payee and last bill pay is in 2016 September.
Never exceeded credit limit or recycled credit.
Credit line is 15k and usually spend about 10k per billing period except in the latest period I spent 14k (highest I ever spent and close to my credit limit)
I use this card for all my non category bonus everyday spend. So I have 10-20 regular spend transactions every month.
I make a payment 1-3 times a month during billing cycle through my linked bank account.
I redeemed miles for transactions twice so far about a year ago and they have been building up for little over a year. Now I have points worth $1100
I used to have two AA cards for 4-6 years too and closed one a year ago and another one just a month ago.
I used the card when I was traveling internationally in multiple countries. I traveled 2 weeks ago. I added my travel info in online portal but when I tired to use it once outside of US, it got declined. So I used citi card for rest of my trip.
Called bclay and they did not provide much info other than advising me to send any inquiries through USPS mail. Just sent them a mail.
So not sure what triggered the review and closure. Could be foreign transaction or getting close to credit line in the latest month?
Questions:
1. What is the best way to get my $1100 points back. That's lot of money and effort.
2. Will they let me apply again for this or any other cards? I am thinking of trying again in 6 months.
1. SHUTdn by Bank, Credit Card info. (brcl@y arrival plus)
2. Length of account before closure and CL? (2 years)
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 10k per month for 18 months
5. Cycle CL? No
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y) No
- BP by Vis/MC - Yes, but almost a year ago
2-4 gc dot com purchases per month of about $2500 each for 6-8 months and last gc com purchase in feb
5-6 grocery store $500 purchases once in a week when there was a promotion back in April
Putting 2-4 transactions of 2k to 5k at SMN mall for the last 6 months
Did WMT bill pays almost like 2-4 times a month for 4-6 months in 2016 with MasterCard as payee and last bill pay is in 2016 September.
Never exceeded credit limit or recycled credit.
Credit line is 15k and usually spend about 10k per billing period except in the latest period I spent 14k (highest I ever spent and close to my credit limit)
I use this card for all my non category bonus everyday spend. So I have 10-20 regular spend transactions every month.
I make a payment 1-3 times a month during billing cycle through my linked bank account.
I redeemed miles for transactions twice so far about a year ago and they have been building up for little over a year. Now I have points worth $1100
I used to have two AA cards for 4-6 years too and closed one a year ago and another one just a month ago.
I used the card when I was traveling internationally in multiple countries. I traveled 2 weeks ago. I added my travel info in online portal but when I tired to use it once outside of US, it got declined. So I used citi card for rest of my trip.
Called bclay and they did not provide much info other than advising me to send any inquiries through USPS mail. Just sent them a mail.
So not sure what triggered the review and closure. Could be foreign transaction or getting close to credit line in the latest month?
Questions:
1. What is the best way to get my $1100 points back. That's lot of money and effort.
2. Will they let me apply again for this or any other cards? I am thinking of trying again in 6 months.
#383
Join Date: Jul 2016
Location: NY
Posts: 523
Got closure notice last week saying "Your history of account usage"
1. SHUTdn by Bank, Credit Card info. (brcl@y arrival plus)
2. Length of account before closure and CL? (2 years)
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 10k per month for 18 months
5. Cycle CL? No
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y) No
- BP by Vis/MC - Yes, but almost a year ago
2-4 gc dot com purchases per month of about $2500 each for 6-8 months and last gc com purchase in feb
5-6 grocery store $500 purchases once in a week when there was a promotion back in April
Putting 2-4 transactions of 2k to 5k at SMN mall for the last 6 months
Did WMT bill pays almost like 2-4 times a month for 4-6 months in 2016 with MasterCard as payee and last bill pay is in 2016 September.
Never exceeded credit limit or recycled credit.
Credit line is 15k and usually spend about 10k per billing period except in the latest period I spent 14k (highest I ever spent and close to my credit limit)
I use this card for all my non category bonus everyday spend. So I have 10-20 regular spend transactions every month.
I make a payment 1-3 times a month during billing cycle through my linked bank account.
I redeemed miles for transactions twice so far about a year ago and they have been building up for little over a year. Now I have points worth $1100
I used to have two AA cards for 4-6 years too and closed one a year ago and another one just a month ago.
I used the card when I was traveling internationally in multiple countries. I traveled 2 weeks ago. I added my travel info in online portal but when I tired to use it once outside of US, it got declined. So I used citi card for rest of my trip.
Called bclay and they did not provide much info other than advising me to send any inquiries through USPS mail. Just sent them a mail.
So not sure what triggered the review and closure. Could be foreign transaction or getting close to credit line in the latest month?
Questions:
1. What is the best way to get my $1100 points back. That's lot of money and effort.
2. Will they let me apply again for this or any other cards? I am thinking of trying again in 6 months.
1. SHUTdn by Bank, Credit Card info. (brcl@y arrival plus)
2. Length of account before closure and CL? (2 years)
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 10k per month for 18 months
5. Cycle CL? No
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y) No
- BP by Vis/MC - Yes, but almost a year ago
2-4 gc dot com purchases per month of about $2500 each for 6-8 months and last gc com purchase in feb
5-6 grocery store $500 purchases once in a week when there was a promotion back in April
Putting 2-4 transactions of 2k to 5k at SMN mall for the last 6 months
Did WMT bill pays almost like 2-4 times a month for 4-6 months in 2016 with MasterCard as payee and last bill pay is in 2016 September.
Never exceeded credit limit or recycled credit.
Credit line is 15k and usually spend about 10k per billing period except in the latest period I spent 14k (highest I ever spent and close to my credit limit)
I use this card for all my non category bonus everyday spend. So I have 10-20 regular spend transactions every month.
I make a payment 1-3 times a month during billing cycle through my linked bank account.
I redeemed miles for transactions twice so far about a year ago and they have been building up for little over a year. Now I have points worth $1100
I used to have two AA cards for 4-6 years too and closed one a year ago and another one just a month ago.
I used the card when I was traveling internationally in multiple countries. I traveled 2 weeks ago. I added my travel info in online portal but when I tired to use it once outside of US, it got declined. So I used citi card for rest of my trip.
Called bclay and they did not provide much info other than advising me to send any inquiries through USPS mail. Just sent them a mail.
So not sure what triggered the review and closure. Could be foreign transaction or getting close to credit line in the latest month?
Questions:
1. What is the best way to get my $1100 points back. That's lot of money and effort.
2. Will they let me apply again for this or any other cards? I am thinking of trying again in 6 months.
#384
Join Date: Oct 2011
Posts: 4,166
That's surprising and disappointing. Given your activity I wouldn't expect a closure.
#385
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,677
Got closure notice last week saying "Your history of account usage"
1. SHUTdn by Bank, Credit Card info. (brcl@y arrival plus)
2. Length of account before closure and CL? (2 years)
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 10k per month for 18 months
5. Cycle CL? No
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y) No
- BP by Vis/MC - Yes, but almost a year ago
2-4 gc dot com purchases per month of about $2500 each for 6-8 months and last gc com purchase in feb
5-6 grocery store $500 purchases once in a week when there was a promotion back in April
Putting 2-4 transactions of 2k to 5k at SMN mall for the last 6 months
Did WMT bill pays almost like 2-4 times a month for 4-6 months in 2016 with MasterCard as payee and last bill pay is in 2016 September.
Never exceeded credit limit or recycled credit.
Credit line is 15k and usually spend about 10k per billing period except in the latest period I spent 14k (highest I ever spent and close to my credit limit)
I use this card for all my non category bonus everyday spend. So I have 10-20 regular spend transactions every month.
I make a payment 1-3 times a month during billing cycle through my linked bank account.
I redeemed miles for transactions twice so far about a year ago and they have been building up for little over a year. Now I have points worth $1100
I used to have two AA cards for 4-6 years too and closed one a year ago and another one just a month ago.
I used the card when I was traveling internationally in multiple countries. I traveled 2 weeks ago. I added my travel info in online portal but when I tired to use it once outside of US, it got declined. So I used citi card for rest of my trip.
Called bclay and they did not provide much info other than advising me to send any inquiries through USPS mail. Just sent them a mail.
So not sure what triggered the review and closure. Could be foreign transaction or getting close to credit line in the latest month?
Questions:
1. What is the best way to get my $1100 points back. That's lot of money and effort.
2. Will they let me apply again for this or any other cards? I am thinking of trying again in 6 months.
1. SHUTdn by Bank, Credit Card info. (brcl@y arrival plus)
2. Length of account before closure and CL? (2 years)
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 10k per month for 18 months
5. Cycle CL? No
6. Did you BP using both options?
- BP by issuing bank (@m3x, chs3, c1t1 and brcl@y) No
- BP by Vis/MC - Yes, but almost a year ago
2-4 gc dot com purchases per month of about $2500 each for 6-8 months and last gc com purchase in feb
5-6 grocery store $500 purchases once in a week when there was a promotion back in April
Putting 2-4 transactions of 2k to 5k at SMN mall for the last 6 months
Did WMT bill pays almost like 2-4 times a month for 4-6 months in 2016 with MasterCard as payee and last bill pay is in 2016 September.
Never exceeded credit limit or recycled credit.
Credit line is 15k and usually spend about 10k per billing period except in the latest period I spent 14k (highest I ever spent and close to my credit limit)
I use this card for all my non category bonus everyday spend. So I have 10-20 regular spend transactions every month.
I make a payment 1-3 times a month during billing cycle through my linked bank account.
I redeemed miles for transactions twice so far about a year ago and they have been building up for little over a year. Now I have points worth $1100
I used to have two AA cards for 4-6 years too and closed one a year ago and another one just a month ago.
I used the card when I was traveling internationally in multiple countries. I traveled 2 weeks ago. I added my travel info in online portal but when I tired to use it once outside of US, it got declined. So I used citi card for rest of my trip.
Called bclay and they did not provide much info other than advising me to send any inquiries through USPS mail. Just sent them a mail.
So not sure what triggered the review and closure. Could be foreign transaction or getting close to credit line in the latest month?
Questions:
1. What is the best way to get my $1100 points back. That's lot of money and effort.
2. Will they let me apply again for this or any other cards? I am thinking of trying again in 6 months.
I didn't get to keep my points, although I didn't put up much of a fight because I only had about $80 worth of points.
#386
Join Date: May 2015
Posts: 1,066
Capital One called me a few weeks ago about my Spark card. They asked me about my business and also about all of the transactions to Giftcardmall. Yesterday I logged into my account and it was locked. I used it for MS and also all of my normal daily spending. Not only that one but I have another account credit card that I used sparingly that got shut down too. I'm not sure why that one was closed as well. I've had that one since I was 18, over 15 years ago.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
I called them and just got the run around. I have also had my main bank account with them since I was 18. I am going to go into a branch and close that.
#387
Join Date: Jul 2015
Programs: SW,SPG,Hyatt
Posts: 87
Yes it is sir. So is MS unless you want to run around town depositing a handful of money orders into 20 different banks. If you know of any banks or CUs that will tolerate high volume or semi-high volume MOs please post or PM. It took them awhile but they are tightening the screws on all avenues of profiting from credit cards.
#388
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 861
Yes it is sir. So is MS unless you want to run around town depositing a handful of money orders into 20 different banks. If you know of any banks or CUs that will tolerate high volume or semi-high volume MOs please post or PM. It took them awhile but they are tightening the screws on all avenues of profiting from credit cards.
#389
Join Date: Dec 2009
Location: HNL
Programs: UA 1K; Marriott Plat; Hyatt Diamond; CCarlson Elite
Posts: 641
Yes it is sir. So is MS unless you want to run around town depositing a handful of money orders into 20 different banks. If you know of any banks or CUs that will tolerate high volume or semi-high volume MOs please post or PM. It took them awhile but they are tightening the screws on all avenues of profiting from credit cards.
#390
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
It remains to be seen if I can or cannot deposit MOs again using the in-person method. There was never any threat to close my accounts.