Originally Posted by GundamWing01
(Post 31560175)
you need to be careful and take it easy. not sure how long you have been playing the game but citi doesnt mess around. since you are cycling they are throttling your limits and have been referred to the "high risk" dept. that alone should tell you that eyes are on your account. proceed with caution.
I will sometimes make multiple payments after I get my statment form different accounts - maybe the annual insurance bill hit so I pay that amount off from my insurance/property tax non-escrowed savings acct, then pay the balance from checking? I usually don't pay my bill before I get the statement, but on a few occasions when I get reimbursed from my employer I will pay that amount immediately just so I'm not carrying excess debt. |
Originally Posted by bbriscoe34
(Post 31562621)
What actually qualifies as cycling?
I will sometimes make multiple payments after I get my statment form different accounts - maybe the annual insurance bill hit so I pay that amount off from my insurance/property tax non-escrowed savings acct, then pay the balance from checking? I usually don't pay my bill before I get the statement, but on a few occasions when I get reimbursed from my employer I will pay that amount immediately just so I'm not carrying excess debt. |
Originally Posted by TTT103
(Post 31563015)
What you are doing seems fine. What banks tend not to like is for folks to charge up to their credit limit, pay it off, and repeat during a given cycle. For example, if you have a $10K credit limit, charge $10K, pay it off, charge another $10K, pay it off, and so on during a given cycle.
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Originally Posted by freeloader
(Post 31558944)
you can load BB from a Walmart self checkout?
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Originally Posted by GundamWing01
(Post 31560175)
you need to be careful and take it easy. not sure how long you have been playing the game but citi doesnt mess around. since you are cycling they are throttling your limits and have been referred to the "high risk" dept. that alone should tell you that eyes are on your account. proceed with caution.
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Has anyone ever been able to obtain a Citi credit card years after a shut down?
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Originally Posted by coltonatx
(Post 31610372)
Has anyone ever been able to obtain a Citi credit card years after a shut down?
do you mind sharing your citi shutdown experience? curious what happened. |
All P2 Chaas3 accounts have been shutdn. Here is what I suspect caused the shutdn:
- Buying 3 back to back GC on 5x category - Cycling credit for the first time and make large purchases in the very first statement cycle to hit MSR (P2 availability for MS is limited so I was trying to hit MS quickly, which in hindsight was a big mistake) - Chaas3 called P2 and was asking questions whether someone is trying to scam P2 to buy these GCs. P2 does not want to handle this kinda stress call, so I am planning to call to request reinstatement and need some guidance:
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why no amex shutdown DPs?
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Originally Posted by barterback
(Post 31708590)
All P2 Chaas3 accounts have been shutdn. Here is what I suspect caused the shutdn:
- Buying 3 back to back GC on 5x category - Cycling credit for the first time and make large purchases in the very first statement cycle to hit MSR (P2 availability for MS is limited so I was trying to hit MS quickly, which in hindsight was a big mistake) - Chaas3 called P2 and was asking questions whether someone is trying to scam P2 to buy these GCs. P2 does not want to handle this kinda stress call, so I am planning to call to request reinstatement and need some guidance:
https://www.reddit.com/r/churning/co...rts_megathread many people in similar situations. you also leave out a lot of detail so its difficult to grasp your situation and your overall chase risk exposure. but thats your call. feel free to share however much youre comfortable. |
Originally Posted by GundamWing01
(Post 31709344)
why no amex shutdown DPs?
https://www.flyertalk.com/forum/amer...shutdowns.html |
Originally Posted by ChrisFlyer66
(Post 31709450)
There is a thread in the Amex forum:
https://www.flyertalk.com/forum/amer...shutdowns.html |
1. capi uno/venture
2. 2 accts, 13k and 5k, 20 mos. and 6 mos 3. 4500 5k checking 10k savings 4. 90k total ? 5. cycled 1st account for about 6 months a year ago? 6. No BP, ach transfer from credit union and ch@@se with MO deposits 7. No CC accounts have not been shut down by the bank. I got a call from them yesterday and today. They wanted to ask me about my account activity so I just closed the accounts and paid off the balances. I have no intention of speaking with them. I have had 4 total cap uno accounts over the past 3 years and the past two have been MS spending. I recently applied for an auto loan with them and had some new hard inquiries as a result. I am wondering what triggered this because it seems to have come out of nowhere. I would have expected this more while I was doing heavier MS a year ago with GCM. Any ideas/advice moving forward? I have never had this happen before. |
Originally Posted by 1matthew8
(Post 31729231)
1. capi uno/venture
2. 2 accts, 13k and 5k, 20 mos. and 6 mos 3. 4500 5k checking 10k savings 4. 90k total ? 5. cycled 1st account for about 6 months a year ago? 6. No BP, ach transfer from credit union and ch@@se with MO deposits 7. No CC accounts have not been shut down by the bank. I got a call from them yesterday and today. They wanted to ask me about my account activity so I just closed the accounts and paid off the balances. I have no intention of speaking with them. I have had 4 total cap uno accounts over the past 3 years and the past two have been MS spending. I recently applied for an auto loan with them and had some new hard inquiries as a result. I am wondering what triggered this because it seems to have come out of nowhere. I would have expected this more while I was doing heavier MS a year ago with GCM. Any ideas/advice moving forward? I have never had this happen before. |
Originally Posted by 1matthew8
(Post 31729231)
1. capi uno/venture
2. 2 accts, 13k and 5k, 20 mos. and 6 mos 3. 4500 5k checking 10k savings 4. 90k total ? 5. cycled 1st account for about 6 months a year ago? 6. No BP, ach transfer from credit union and ch@@se with MO deposits 7. No CC accounts have not been shut down by the bank. I got a call from them yesterday and today. They wanted to ask me about my account activity so I just closed the accounts and paid off the balances. I have no intention of speaking with them. I have had 4 total cap uno accounts over the past 3 years and the past two have been MS spending. I recently applied for an auto loan with them and had some new hard inquiries as a result. I am wondering what triggered this because it seems to have come out of nowhere. I would have expected this more while I was doing heavier MS a year ago with GCM. Any ideas/advice moving forward? I have never had this happen before. |
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