What is "relatively light" actually mean? For some, that is $500/mo and for others, $10,000/mo.
For me, Citi is very prickly when it comes to buying VGCs in large denominations just about anywhere. I cannot get a Citi card through SM without a denial (and subsequently being disabled from using it at SM for 24 hours.)
So the above question is pertinent.

Please let us know what they say and especially if they give you a reprieve.

Closures by issuers do not equal to delinquency.

There are many closures by issuers that have NOTHING to do with any negatives other than inactivities - the most common reason.

What does that mean? You have done light MS until a few months ago then up the ante? Or you stopped a few months ago? Totally unclear and can be a very important factor.

If your spend spiked up it can very well be the reason to lead to human review and then the human saw where you used your cards ... the rest is history.
Hope you get a reprieve. Else there are legal helps if it is Citi closures. Search here or google you will find the info in case you need it.

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CIti has shut me down in the past. Only unusual thing I did was pay my account with MC debits. Oddly, they only shut down the account I used for legit spend and paid off with debits. Notice didn't give any detailed explanation. I still have my AA account.

inactivity wld be good standing. it wrong to think a closre shwng up in cr hist wont hv any NEG impct.

Citi shut you down for making debit payments over the phone with GCs? What ballpark volume of payments were you doing?

You can choose to disbelieve or argue but what your understanding is wrong primarily because you confuse / mix up the derogatory items with the account closed by issuers notation.

Only when you have other derogatory items on your reports, otherwise a notation of account closed by issuer has NO negative effect on your report. Repeat - if only shown account closed by issuer, without any other derogatory items on the person's report there is absolutely no ill effect on your ability to obtain new credits whether it is cards or mortgage or auto loan.

Now, you should also NOT to confuse that the person can obtain new card from the SAME issuer who closed the accounts - some issuers would forgive after certain time has passed, some dont. BofA and Barclays dont. US bank and Chase may be. Citi forgives based on the nature of the previous traverse. Take your pick.

Before anybody asks, those information are given by folks who are affected when they seek advice, therefore not something made up or in one's perception but real life DPs.

Correct. A good example of this that is relevant to many on here was when the Citi got the Costco card portfolio in June 2016. The AmEx cards were closed by the issuer as the portfolio was "purchased by another lender". The reason for the account closure has no bearing on your report.

Did you get a call from Citi asking about unusual activity before the closure? They'll usually give you a chance to explain your MS and tone it down before a shutdown.

No call or other communication. I first learned when I had two regular charges (McDs and gas) declined, no fraud alert text. Went online, saw that accts were closed. Telephone inquiry was fruitless. Still waiting on letter, but I think all its gong to say is to submit any questions in writing. At the veryleast, I plan ot write demand letter for my cashback cash, around $150.