2019 Shutdown Thread

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Old Jan 1, 19, 6:14 am   -   Wikipost
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1. SHUTdn by Bank, Credit Card info. (@m3x, chs3 ,c1t1 and [email protected])
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 [email protected])
- BP by Vis/MC
7. Did you spell out the bank's full name in an internet forum?
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Old May 1, 19, 1:11 pm
  #136  
 
Join Date: Mar 2019
Posts: 2
Do you get your money back after shutdown? (sorry for the noob question)
cvas is offline  
Old May 1, 19, 1:20 pm
  #137  
 
Join Date: Oct 2015
Posts: 19
Got my points and any money that was credited back to me I got also.
coasttal is offline  
Old May 1, 19, 4:58 pm
  #138  
 
Join Date: Nov 2015
Posts: 3
scratch
philsthril is offline  
Old May 1, 19, 5:00 pm
  #139  
 
Join Date: Nov 2015
Posts: 3
Originally Posted by MiaSkye89 View Post
Several years ago, a bank, lets say Bank A, shut me down because of MO deposit (they didnt say that but all I was doing was depositing, and paying credit cards)
A recent attempt to get an account with Bank A was declined.

I have another bank, lets say Bank B, that I have been depositing MO for years and bill pay, credit cards, etc for years without hardly an issue. The only issue with Bank B was early on when the bank manager called me and asked what I was doing with all the MO deposits, I explained to him what I was doing, and now the manager (now a regional manager with Bank B) does MS himself after I showed him how.

But now, announcements are being made that Bank A and Bank B are merging. Should I be worried?

Bank B is not my primary bank for paycheck, bills drafted ect (dont s*** where you eat and all)
Good luck with Bank B. They just shut my biz checking down and I never deposited MO's into it. I'm calling corporate tomorrow but I think I know what happened. I had a personal checking (I pushed MO's through) with Bank B and had zero issues with until it was compromised with fraudulent activity around February which I ended up closing but leaving the biz checking active (a month or so later I get the biz shutdown letter). I believe that put eyes on both my accounts. Bummer since Bank A I've been shutdown from for years and was hoping for a backdoor re-entry.

Last edited by philsthril; May 1, 19 at 5:09 pm
philsthril is offline  
Old May 6, 19, 3:40 pm
  #140  
 
Join Date: Sep 2014
Location: Metro ATL
Posts: 312
Shut down by CS 1.5 years ago. Anyone has any idea about my chances to reopen accounts with them.
The only reason i am asking as I just want their debit card back.
touristtrap is offline  
Old May 6, 19, 7:21 pm
  #141  
 
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 3,282
Originally Posted by touristtrap View Post
Shut down by CS 1.5 years ago. Anyone has any idea about my chances to reopen accounts with them.
The only reason i am asking as I just want their debit card back.
Why not try and simply open a new checking/savings account on-line with the bank in question. You will find out soon enough if you can open a new account with them.
I suspect (as you do) that the answer to that question is no, but it never hurts to try. You won't be any worse off after the failed attempt
radonc1 is offline  
Old May 7, 19, 11:37 pm
  #142  
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Join Date: Jun 2015
Posts: 1,458
Originally Posted by touristtrap View Post
Shut down by CS 1.5 years ago. Anyone has any idea about my chances to reopen accounts with them.
The only reason i am asking as I just want their debit card back.
You will find out the most efficient method is to open an account at the bank in ur local wmt.. go to wmt but gebits, then head to mc and buy mo then off to the bank.
Chelski is offline  
Old May 21, 19, 10:02 pm
  #143  
 
Join Date: Mar 2016
Posts: 32
chs3 shutdown triggered by new cc app, but fortunately reinstated a week later. Advice on reconning that cc app: Y/N?
ecatalina is offline  
Old May 22, 19, 5:54 am
  #144  
 
Join Date: Dec 2008
Posts: 315
My advice would be to give and receive. You're asking for advice, which I'm sure some of us will be glad to provide, but I'm also sure many of us would appreciate a data point on your stats -- recent CC openings as well as within the past 24 months, manufactured spending activity if any, etc. -- as well.
I can see for miles is offline  
Old May 22, 19, 6:54 am
  #145  
 
Join Date: Mar 2016
Posts: 32
Originally Posted by I can see for miles View Post
My advice would be to give and receive. You're asking for advice, which I'm sure some of us will be glad to provide, but I'm also sure many of us would appreciate a data point on your stats -- recent CC openings as well as within the past 24 months, manufactured spending activity if any, etc. -- as well.
Recent CC openings:
CIP: 2/21/19
MPE: 2/21/19
A+: 2/21/19
IHG app triggering shutdown: 4/30/19

Past 24 months:
Delta Gold: 6/23/17
BBP: 6/23/17
BRG: 6/23/17
Citi AA Biz: 3/5/2018
CIP SSN: 4/4/18
Citi AA biz: 6/11/18
CIC: 9/4/18
BoA Cash rewards biz: 9/6/18
Hilton Biz: 9/6/18
Citi AA biz: 9/17/18
United biz: 11/25/18
Citi AA biz: 1/9/19

Oldest account is a 12 yr Freedom, no bank accounts w/them, no CL cycling or BP, light MS mostly on BBP, Ink 5x Office and old SPG card (130k total in 2018), used MS to meet all MSR.

2/24 at the time of IHG app but had just maxed Q2 5x on 3 Freedoms so it triggered high revolving balance (mistake in hindsight), but honestly thought this was lightweight churning compared to other DPs.
ecatalina is offline  
Old May 22, 19, 3:51 pm
  #146  
 
Join Date: Dec 2008
Posts: 315
Thanks for the DP. If it were me, unless I didn't value the Chase cards I had more than the IHG, I'd probably not try recon and -- depending on what else 5/24 is keeping me from -- submit another Chase application after those recent same-day CC applications and openings have aged.
I can see for miles is offline  
Old May 22, 19, 4:01 pm
  #147  
 
Join Date: Mar 2019
Posts: 2
I'd try a recon and ask them to lower your limits if that helps. Plus if you have a legit business, perhaps you could convince them.

Last edited by cvas; May 22, 19 at 11:05 pm
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Old May 22, 19, 11:04 pm
  #148  
 
Join Date: Apr 2004
Location: CA
Posts: 1,066
If they reinstated you. I would not do anything stupid like recon/ put major charges on your cards. Goal is not human scrutiny!

Stop being greedy
kaiotes is offline  
Old May 31, 19, 11:33 pm
  #149  
 
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA PPro. Enterprise Platinum woo-hoo!
Posts: 3,046
Question for those experienced. I've had plenty of shutdowns and am used to them.

I did an end run with one of the CC vendors that shut me down and had my brother open an account with them. It's a 2% cb biz card and I've been buying lots of gc's online with it. They had a stupendous signup bonus which I let him keep.

The bank called him last week, I think about 10 days ago. He told them (correctly) that he's both an attorney and a local politician, and I don't know what else he said. One can easily imagine how an attorney could use gift cards as a way to disburse funds to clients. I don't know exactly what he said, but I'm pretty sure he didn't lie - he was just vague.

Here's my question. In my experience, if they're going to shut you down they do it pretty quickly. Do they ever kick it upstairs to a higher-up who calls again? Or if you get past this hurdle are you pretty much in the clear?

It doesn't matter really, I mean they will do what they do.
redtop43 is offline  
Old Jun 1, 19, 7:07 pm
  #150  
 
Join Date: May 2011
Posts: 829
Originally Posted by redtop43 View Post
It doesn't matter really, I mean they will do what they do.
Or you could ramp up slowly and not burn bridges ...
wyogold is offline  

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