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
May 8, 2018, 10:40 am
#196
Join Date: Feb 2014
Posts: 42
Thanks for Feedback, not sure how to confirm if I am on "Do not approve list". I checked with Chase and they say you are welcome to apply anytime, but for now we can't reopen this account because of secondary review and credit not worthy enough. Well lesson learned hard way.
May 8, 2018, 11:12 am
#197
Join Date: Apr 2008
Posts: 615
Thanks for Feedback, not sure how to confirm if I am on "Do not approve list". I checked with Chase and they say you are welcome to apply anytime, but for now we can't reopen this account because of secondary review and credit not worthy enough. Well lesson learned hard way.
Jun 18, 2018, 9:14 pm
#199
Join Date: Apr 2016
Posts: 17
I was shutdown by Barclay 12/2017. I MS'd on the card quite a bit but never cycled limits. My statement for approx $9000 was due 12/14. On 12/6 i sent a payment from the wrong account and the payment bounced. On 12/9 i sent the payment (including their fee's for the bounced payment) and my card was paid in full before the statement was due. 12/14 they closed my account and i forfeited 180k points.
I called a dozen times and talked to managers and the managers managers. I filed a CFPB complaint and nothing. I have thought about filing suit in small claims court over the 180k points, but not sure how to even do that, or if its worth it. Anyone here have any success stories about this with barclay?
I called a dozen times and talked to managers and the managers managers. I filed a CFPB complaint and nothing. I have thought about filing suit in small claims court over the 180k points, but not sure how to even do that, or if its worth it. Anyone here have any success stories about this with barclay?
Jun 18, 2018, 9:50 pm
#200
Join Date: Oct 2017
Programs: Lots
Posts: 320
180k is a ton. I usually buy refundable flight tickets around the time I hit between 25-50k and then cash it out immediately. I find the Cap1 Venture much better in this regard.
Jun 19, 2018, 2:55 pm
#202
Join Date: Aug 2017
Posts: 106
I sometimes wonder if it's better to MS on a third party points (SPG/Hilton/AA) so that every month your points get deposited and even if you get shutdown your loss is minimal.
Jun 19, 2018, 8:52 pm
#203
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,433
Jun 20, 2018, 7:33 am
#204
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,674
Jun 20, 2018, 4:08 pm
#205
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,433
If you are so concerned about the amount of MSing that you are doing on a card to the point where you may be shut down, then you (not the card provider) should be proactive in draining that account of its rewards immediately after the points/cash is posted. They can't claw back what isn't there.
The problem isn't the MSing (since everyone is at risk for a shutdown), rather the problem is leaving the rewards where they can be confiscated
The problem isn't the MSing (since everyone is at risk for a shutdown), rather the problem is leaving the rewards where they can be confiscated
Jun 21, 2018, 5:19 pm
#206
Join Date: Jul 2014
Posts: 3,688
Citi CCs shutdown report from Free-quent flyer
I just read this report from the blogger regarding his Citi CCs shutdown due possibly from WMBP. Note that he started doing WMBP in March and got shutdown in June. Initially, he got an odd phone call regarding paying his CC bills with MOs and he quit doing that although he was expecting to be shutdown then; he didn't get the boot so he started to do WMBP in March to his CitiDC, total of FOUR(!) payments and all his Citi accounts were closed as of June 7. Feel free to ignore this DP if you've been paying in-branch with MOs and/or WMBP in a long time with no adverse action from Citi. It's been said when MSing, everything works well until one day, it doesn't.
Read his full article here .
Read his full article here .
Jun 21, 2018, 10:48 pm
#208
Join Date: Jul 2017
Programs: UR, Marriott, AA, WN, Chick Fil A Red
Posts: 182
Jun 21, 2018, 11:03 pm
#209
Join Date: Dec 2013
Posts: 85
Agreed, best to stay away from billpay. Save yourself from the discomfort of having to shove thousands in your wallet after getting refunded for a failed BP at Wally hoping no one notices while you hustle out the store. BTW MG keeps the $4.99 fee since "they did they're part," when it came time for a refund, yet previously stated they "didn't feel comfortable with the transaction," hence their decision to block the bill pay in the first place...bunch of crooks....
Jun 23, 2018, 9:29 am
#210
Join Date: Jan 2000
Location: Northern California
Programs: Inf Elite CO, lifetime AA Platinum
Posts: 1,937
Capital one
Last edited by freakflyer; Jun 24, 2018 at 10:33 am