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
Sep 25, 2019, 11:10 am
#316
Join Date: Feb 2012
Location: DEN
Programs: Hilton Diamond Hyatt Globalist Marriott Gold AA EXP
Posts: 1,019
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.
Sep 25, 2019, 1:03 pm
#317
Join Date: Apr 2002
Posts: 2,951
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.
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.
Sep 25, 2019, 1:54 pm
#318
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/DFW/JFK/LGA/EWR/MIA
Posts: 1,073
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.
Sep 25, 2019, 5:30 pm
#320
Join Date: Feb 2019
Posts: 27
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.
Oct 9, 2019, 1:34 pm
#321
Join Date: Sep 2013
Posts: 877
Has anyone ever been able to obtain a Citi credit card years after a shut down?
Oct 9, 2019, 6:56 pm
#322
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/DFW/JFK/LGA/EWR/MIA
Posts: 1,073
do you mind sharing your citi shutdown experience? curious what happened.
Nov 6, 2019, 12:09 pm
#323
Join Date: Mar 2017
Posts: 4
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:
- 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:
- I do not want to risk my account shutdn so how can I talk on P2 behalf without disclosing my full identity?
- Should I be upfront that P2 is buying GC to give as business gifts on Xmas? P2 has a legit business.
- There is only 5x spend on CF, and most recently 3 back to back GC purchases within 15 minutes. Should I disclose that yes, those were GC purchases because GCs were on sale. At this point, I am fine if Chaas3 does not recognize them as 5x purchases as long as they reinstate the accounts.
Nov 6, 2019, 3:49 pm
#324
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/DFW/JFK/LGA/EWR/MIA
Posts: 1,073
why no amex shutdown DPs?
Nov 6, 2019, 3:54 pm
#325
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/DFW/JFK/LGA/EWR/MIA
Posts: 1,073
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:
- 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:
- I do not want to risk my account shutdn so how can I talk on P2 behalf without disclosing my full identity?
- Should I be upfront that P2 is buying GC to give as business gifts on Xmas? P2 has a legit business.
- There is only 5x spend on CF, and most recently 3 back to back GC purchases within 15 minutes. Should I disclose that yes, those were GC purchases because GCs were on sale. At this point, I am fine if Chaas3 does not recognize them as 5x purchases as long as they reinstate the accounts.
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.
Last edited by GundamWing01; Nov 6, 2019 at 7:48 pm
Nov 6, 2019, 4:28 pm
#326
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,677
There is a thread in the Amex forum:
AMEX doing "mass" shutdowns.
AMEX doing "mass" shutdowns.
Nov 6, 2019, 7:48 pm
#327
Join Date: Sep 2017
Location: SFO/LAX/SAN/LAS/DFW/JFK/LGA/EWR/MIA
Posts: 1,073
There is a thread in the Amex forum:
AMEX doing "mass" shutdowns.
AMEX doing "mass" shutdowns.
Nov 12, 2019, 10:36 am
#328
Join Date: Jul 2018
Posts: 5
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.
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.
Nov 12, 2019, 11:08 am
#329
Join Date: Mar 2011
Location: SAN
Programs: Delta Gold. Hilton Diamond. Hyatt Explorist.
Posts: 1,677
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.
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.
Nov 12, 2019, 11:18 am
#330
Join Date: Jul 2018
Posts: 354
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.
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.