I feel like I've been kinda monitoring this thread for a few months. Saw a comment on Reddit MS thread today about how a person got FR after trying to MS on their charge card (old Amex PRG), but that they previously spend 6 figures on their Amex Credit Cards. Other experiences of FR or shutdown via MS on charge cards? Only asking because I know there's a school of thought that new Amex Gold was rolled out with 4x grocery to possibly "catch" any MSers who want to max grocery spend quickly. I'm on pace to be around $8k/month, but so far, no issues since the month began.

1. Thanks for the useful info.
2. Part of a local Telegram group, and I like those guys a lot, so I'm not going to burn any places for myself or them.
3. I never set foot in WM, as I have good relationship with cashiers at local grocers.
4. I doubt my 8k/month means much to the long timers here who probably do that in a day.

1. C@pital one Sp@rk
2. 1 yr, $21K
3. NA. Have an incidental small savings account
4. $330K YTD
5. Absolutely
6. Had 3 cards in 3 different names with 3 different account #'s and BPed all 3
7. Nope

Curiously I got a call from "my" account manager two weeks later asking how they could meet my needs better. He didn't know I'd been drop-kicked into the third row. I eventually explained chapter and verse of MS to him. His bread is buttered by maximizing volume in his assigned accounts. He sounds like he's going to try to get me reinstated, although I'm not holding my breath. Shutdown is a fact of life in this hobby, we just move on.

I just receive my new Ink Plus card (due to the previous one expiring this month) and noticed in the accompanying papers the line "Business Transactions Only....not intended for personal, household...use..."...I don't think I saw this language before (have had this card for a number of years)...since many of us use it in office supplies stores for 5x points and not for "business transactions only" - I wonder if this new language is some premonition to what might come?...or just something I might have not noticed before?

1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and brcl@y) c1t1
2. Length of account before closure and CL? 6 years
3. Average monthly account balance checking and savings? NA
4. Volume of ms per month and how many months? 2k irregular, 36 months
5. Cycle CL? No
6. Did you BP using both options? No
- 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? No

I told my story on the thread concerning the involved cc. The letter closing all my accounts stated that I had too many open revolving credit accounts. I was doing mailers, I had opened eleven in the last twelve months, twenty-one in the last two years, mostly mailers. I think eyes on my account were the cause from a cancelled award ticket, the taxes and fees were refunded to the original cc, which had been closed months earlier. Undaunted, I applied with another mailer and received a letter that my application can't be approved because the credit privileges on your existing account(s) are currently restricted.
Any idea how long I have to wait before I can start again?

I think it is just something you haven't noticed before. That is pretty standard language for business credit cards.

How long was it between the cancelled award ticket and the closing of your open accounts? How much was the credit refund? Typically citi takes 90 days to process the refund on closed (and open) accounts. Did your account closure happen shortly after receiving the refund check?

Your answers will help us understand if the two are actually related as you suspect. Citi has been known to close accounts when they deem someone a risky customer (e.g. when a credit score drops significantly) but those rules may not apply in this scenario.

Thanks for your response. The amount of the refund was ca $25. The refund was on the closed account 8 days after the award cancellation. The remaining open accounts were closed about 30 days after the credit for the refund appeared on the closed account. I called and requested a check be mailed for the refund after receiving the Notice of account closure(s) notification.

So if I understand correctly, your two open accounts were closed about 30 days after the 25$ credit refund appeared on the closed account. I am assuming that you did not call the bank about the refund until you received the notice of account closures, at which point you likely decided to call in and request the refund instead of waiting for the bank to send you a check automatically (typically 90 days after credit shows on closed account).

Assuming that describes what happened accurately I doubt the 25$ credit triggered the shutdown (unless you're very unlucky I suppose). I'm using mailers as well and earlier this year had a 2k ticket refunded to a closed aa card (closed a few months before refund was issued). Citi sent me a check three months later and I never heard anything again. A friend, also using mailers, had 500$ refunded on a closed TY card and also received his check three months later without adverse action.

How was your credit report looking around the time your accounts where shutdown? Anything to cause the bank to decide you were a risky customer?

I'm sorry I don't know how long the blacklist lasts once the bank in question closes accounts by itself. There were some data points a few years ago (not good) but no idea if things have changed. I'm hoping understanding the cause will help you find the right data point (assuming someone posted it in the forums).

Best of luck.

My credit report is fine, nothing unusual, credit score 777. The only other things that may have been got attention is that one month I did 8K of MS, VGC to meet minimum spending, when I usually only do 3-4K every other month. And my stated income on my last two ccs that were approved was 50% higher than previous apps earlier in the year. I am retired, I changed it to household income. I thought the reason for the closures was the churning, the numerous cc accounts that were opened and closed, and anything else simply brought the wrong eyes on the account. Perhaps you were lucky that your 2K refund didn't have the same results.

I've seen that years ago.