Jan 1, 2019, 2:14 pm
Last edit by: FreakingFlyer
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?
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?
2019 Shutdown Thread
May 1, 2019, 1:11 pm
#136
Join Date: Mar 2019
Posts: 2
Do you get your money back after shutdown? (sorry for the noob question)
May 1, 2019, 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.
May 1, 2019, 5:00 pm
#139
Join Date: Nov 2015
Posts: 5
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)
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)
Last edited by philsthril; May 1, 2019 at 5:09 pm
May 6, 2019, 3:40 pm
#140
Join Date: Sep 2014
Location: Metro ATL
Posts: 359
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.
The only reason i am asking as I just want their debit card back.
May 6, 2019, 7:21 pm
#141
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 6,442
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
May 7, 2019, 11:37 pm
#142
Join Date: Jun 2015
Posts: 1,727
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.
May 21, 2019, 10:02 pm
#143
Join Date: Mar 2016
Posts: 49
chs3 shutdown triggered by new cc app, but fortunately reinstated a week later. Advice on reconning that cc app: Y/N?
May 22, 2019, 5:54 am
#144
Join Date: Dec 2008
Posts: 377
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.
May 22, 2019, 6:54 am
#145
Join Date: Mar 2016
Posts: 49
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.
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.
May 22, 2019, 3:51 pm
#146
Join Date: Dec 2008
Posts: 377
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.
May 22, 2019, 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, 2019 at 11:05 pm
May 22, 2019, 11:04 pm
#148
Join Date: Apr 2004
Location: CA
Posts: 1,307
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
Stop being greedy
May 31, 2019, 11:33 pm
#149
Join Date: May 2008
Location: PHL (kinda, no airport is really close)
Programs: AA Exp, but not sure for how long. Enterprise Platinum woo-hoo!
Posts: 4,551
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.
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.