My CL wasn't 50-100k. it's much less.... cycle monthly around 20x my credit line and lasted for appx. 14months. shutdown likely due to year-end review of accounts....

There's no way to cycle 20x without bill-paying your card below it's credit line, creating negative balance. I've cycled many cards, and the fastest turnaround without bank holidays is 3 days, so you can do 2x per week if you just pay only after charges hit the balance. Force-paying it into negative balance territory using BPs is a big red flag with every CC bank. WF used to shut people down for that before they even caught on to the 5x gaming, for example.

If you only knew what you think you knew ......

haha, well feel free to send me a PM. My lips are sealed. I'm genuinely curious how to cycle 20x except for the method I'm thinking of.

Let me know via PM of course if you figure out the 20kx concept.
I've stoped MS for 2 years as I don't like going to Wal-Mart!

More info on Citi please! Citi closed my doublecash credit card / checking / savings because I was doing heavy MS on the doublecash. But that's not the reason they gave me. They only pointed to the terms and conditions that said they can close my account for any reason. I lost $1400 in cashback. For my checking/savings they said it was closed for "business transactions on a consumer account" but the ONLY transactions on that account was direct deposit from my real job.

1. SHUTdn by C1t1 (Credit card & checking/savings)
2. Length of account before closure and CL? Credit card was open for 15 years
3. Average monthly account balance checking and savings? $15k for bonus
4. Volume of ms per month and how many months? ~$300k MS per month for 3-4 months
5. Cycle CL? Yes, CL was $25k, so cycling 10-12x a month
6. Did you BP using both options? No BP

Lost ~$1400 in cashback.

They said my checking/savings was closed for "business activity on consumer account" - impossible. The ONLY transactions on the account was direct deposit from my real job.
They refuse to give me reason for closing my credit card, they only point to the terms that say they can close my account anytime/any reason.

Any way I can get my lost cashback?

Uh it wasn't Amex. Read my #1 . And I know MS/Cycling is the reason. That wasn't my question at all...

Citi checking account shutdown
 

Has anyone been shutdown by citi this year so far?

A DP regarding shutdown by them was posted right above yours

I have to ask here as well, how did you cycle 12x a month? Citi usually posts charges on 2nd day, so if you don't do BP, then you can at best do 2x a week. Unless you were calling them to overpay using debit cards?

dude - no one is going to tell you

did they contact you beforehand or did it just happen without contacting you?

It appears that for more than 14 years, you appeared to Citi to be a normal low tier checking and savings customer (from your above description) and then you suddenly morphed into this money churning monster that was using a credit line a $50MM/year company would use, and there was no information as to why such a change had occurred. There isn't a legitimate bank that wouldn't want to know what is going on and given your past history, the only thing that would generate this much cash flow would be a commercial activity running through a private bank account, (which is why they gave you the reason they did for terminating your accounts).

This is just a case of pigs get killed but hogs get slaughtered.

I would give Citi a call. However, don't expect a warm and fuzzy response to your request for the $1400. However, your bridge is burned at Citi, so a phone call never hurts.