Jan 2, 2018, 8:58 am
Last edit by: ChrisFlyer66
This is the thread for 2018. The previous 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?
2018 Shutdown Thread
Aug 31, 2018, 3:04 am
#301
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
look at apple with that battery thing where suddenly your old phones stopped performing well on purpose to prompt you to want to “just go buy a new one”
also, morals and ethics are subjective. Mine cannot nec apply to someone else.
And finally, there have been many who claim what we do has moral or ethical ramifications but then, like I said, they aint us.
Aug 31, 2018, 5:09 am
#302
Join Date: Feb 2012
Posts: 4,467
Perhaps we should refocus our attention back to the shutdowns, and limit the whining. 
There's unfortunately enough material this season to keep this thread very active.
There's unfortunately enough material this season to keep this thread very active.
Aug 31, 2018, 5:54 am
#303
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
But the psyche and philosophy behind whatever card issuers do, or how people are who do the deals we do that end up in shut downs is JUST AS IMPORTANT if not paramount to helping to understand this stuff in general, and to try to avoid and navigate the waters going forward. Would you not agree?
Aug 31, 2018, 8:19 am
#304
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
One might wonder whether AMEX knew of their AMEX offers internal control failure and used it as a honey pot to attract "deplorable customers" they wanted to identify (and punish with the surprise clawback?). But no, bankers don't follow bloggers who promoted exploiting the internal control failure and bankers could never be that evil, right? 
Aug 31, 2018, 8:27 am
#305
FlyerTalk Evangelist
Join Date: Nov 2002
Location: BOS, MHT
Programs: AA ltg, B6, DL, UA, AS, SPG/Marriott Plt, HH, Hyatt
Posts: 10,052
One might wonder whether AMEX knew of their AMEX offers internal control failure and used it as a honey pot to attract "deplorable customers" they wanted to identify (and punish with the surprise clawback?). But no, bankers don't follow bloggers who promoted exploiting the internal control failure and bankers could never be that evil, right?
Sep 3, 2018, 7:01 pm
#306
Join Date: Mar 2010
Posts: 144
Is paying the estimated taxes with AMEX a flag? Has anyone done it? The amount will be less than $10K.
Sep 4, 2018, 8:13 am
#307
A FlyerTalk Posting Legend
Join Date: May 2002
Location: YEG
Programs: HH Silver
Posts: 56,438
Agreed so please note that to refocus the thread back to the thread topic several posts about MSing in general have been deleted as there are other threads within this forum to discuss general MS topics.
tcook052
MS forum moderator
tcook052
MS forum moderator
Sep 10, 2018, 8:29 pm
#308
Join Date: Aug 2004
Location: MGM
Programs: United Silver, PC Plat/Amb, HH Dmnd
Posts: 805
Wow, this stings. First involuntary shutdown in 8 years of MSing.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.
Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.
Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.
Sep 10, 2018, 8:48 pm
#309
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 861
Wow, this stings. First involuntary shutdown in 8 years of MSing.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.
Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.
Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.
Sep 11, 2018, 7:28 am
#310
Join Date: Jul 2006
Location: LAX
Programs: AA Lifetime Plat, HH Diamond
Posts: 283
Does anyone know how long Brcl@y keeps you on the naughty list?
Sep 11, 2018, 8:20 am
#311
Join Date: Jan 2017
Programs: World of Hyatt Globalist; American Airlines Platinum; IHG Platinum; Marriott Gold
Posts: 42
Sep 11, 2018, 10:37 am
#312
Join Date: Jul 2014
Posts: 369
I have waited 2 years and still on it. I was approved for Bclay Jet Blue card and received the card. When I called to activate it, I was told the account was closed. This was about 2 years after having a shutdown as an authorized user. It was an account that was heavily MS'd. Only sad part is, I really wante the Jet Blue card because I fly them all the time. The plus side is, since I was aproved for the card and immidiatly shutdown, JBlue thiks I have the card and gives me the 10% miles bonus.
Sep 11, 2018, 8:20 pm
#313
Join Date: Nov 2015
Programs: DL, Marriott & IHG Platty; HH Diamonte
Posts: 861
I read somewhere that for BCly, it's not permanent.
Sep 12, 2018, 12:58 am
#314
Join Date: Aug 2017
Posts: 106
Wow, this stings. First involuntary shutdown in 8 years of MSing.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.
Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.
1. brcl@y
2. Length of account before closure and CL? 4-5 years, $27K
3. Average monthly account balance checking and savings? Plenty
4. Volume of ms per month and how many months? 20-40K
5. Cycle CL? 2X max
6. Did you BP using both options? Nope
7. Did you spell out the bank's full name in an internet forum? Nope.
Had a recent dip in my credit score due to a boneheaded failure to pay a sub-$100 Disc@ver bill. That's the only variable for YEARS. Anyway, I'd considered ditching the Arrival+ after they neutered the earning structure back when, I guess they made the decision for me.
Sep 12, 2018, 9:41 am
#315
Join Date: Aug 2004
Location: MGM
Programs: United Silver, PC Plat/Amb, HH Dmnd
Posts: 805
