How long has this been working for you?

Obviously long enough to have the rats at Citi examine and shut down the accounts.

I believe he said over a period of 2 years.

Since he wasn't buying up giftcards, Citi still seemed to not be happy with gambling transactions. I thought that was frowned upon in the cardholder agreements.

I'd love to see such agreement. Was the frown represented by a smiley face, or spelled out e.g. "we frown upon XXX"?

that was obviously a figure of speech...but your take is more interesting

It doesn't take a rocket scientist to realize that a credit card issuer would rather not like to see large gambling transactions on their card...Regardless of whether it's clearly stated in the agreement or not. CC issuers have a checkered past with this. From outright bans, to letting it slide, to cutting customers loose.

3 years total and 2 years with citi cards, but I’ve noticed lately that it’s necessary to scale back.

Just woke up to my [FIDELITY] account being closed. Anyone else? Reading this post and it's telling me to call. But I already verified my account with them.

The standard advice is that when asked to call, you should call. Anything else is speculation and any other person's experience may be wholly unrelated.

No reason to get upset or worry until you have spoken w. them.

I posted this on the Citi forum - reposting here hoping to get some insights.

A few days ago I was trying to reload my Suica card (a Japanese transit card) with my Rewards+ card using Apple Pay and it didn't work. Logged into Citi.com and saw the Rewards+ is closed (it was working just the day prior). My Prestige and Premier cards are open and still work.

Called customer service and was told that the bank closed the Rewards+ account, and I would receive an explanation in the mail. Was also told that the Thankyou Points I earned through that account would expire in 60 days so I should redeem them. Tried to redeem points online but got an error, so I called 800-THANKYOU and was told that there is a block on my Thankyou Points so I can't redeem them now. The agent sent an email to the escalation team to see why and to get the block removed. Called again two days later during business hours, and another agent said back in February they sent me a letter about the situation on my Thankyou account and what I need to do. I said that I never received the letter, and the agent said the previous agent sent a request regarding the block, and I should have a response within two weeks. She also deposited 1500 points for my inconvenience.

I use my Prestige card quite heavily (around $3K/month and about 2/3 in dining) but not so much spending on the other cards. I don't MS but I use the Rewards+ card solely for small transactions (transit card reloads and convenient store purchases) and sometimes a couple dozen times every month. It is the only reason I can think of that might triggered the account closure.

I guess there is not much to do until I heard back from Citi regarding my TYP and hoping for the best. But certainly would appreciate if anyone has advise to offer. Would it make sense to ask my Citigold relationship manager for help (in term of unblocking the points and perhaps reinstating the closed Rewards+)?

Ok, I have a question for everyone out there. I was shut down by Chase in 2020, the cancelled my Hyatt and CSR cards, but left my business account open. The business account is under the name of the business but has my personal information as owner of the company. I have not had any problems with my Ink card to date. Yesterday, I received an invitation to get the Business Preferred card with a 100k bonus. I would really like to have this card for the bonus but will it raise a flag and cause my existing Ink card to be shut down. Has anyone had any experience in this area, if so, I would sure like to hear about it.

First and most importantly, why were you shut down. If Chase just got nervous about your credit lines and shut you down because of Covid related credit issues, then I suspect that by now, that concern has resolved and you should be good to go.

OTOH, if you were shut for MSing activities, then I would be very concerned about shining a light on any of your accounts, or as we say in this business, spreading cheese around the room to attract the rodents. Human eyes looking at any of your accounts could lead to a bad event.

Yes, I did do a little MS on my Hyatt card. In the letter I received from Chase, they were concerned enough to shut my accounts down because I was paying them monthly from multiple bank accounts. I paid for my personal items out of personal accounts and business items out of a business account. I had been a Chase Private Client for probably 20 years. I was pretty nervous about opening a can of worms with them but wondered if somehow business and personal had some sort of separation with the bank. My daughter had a personal card shutdown but not her business card. Never got an explanation as to why but for sure no MS and bills paid monthly and never carried over a balance.

I have no direct experience with Chase shut downs. However, I do read and there are plenty of DPs out there that indicate that when Chase goes after someone's account, they seem to do it in a scorched earth fashion

What that means is that they close anyone's account if there is some sort of relationship with the offender. So, if your daughter lived at your address or had your last name and was associated with you, I would not be surprised that Chase would can her account as well.

There were even DPs out there of roommates who had no familial relationship being shut down because they resided at the same address

To say the least, Chase can be quite prickly when dealing with MSing activity.

Edit to add: Actually I did have one Chase shut-down. It was my original Chase Sapphire card, which was shut by Chase for inactivity (which was true). I tried to get the decision reversed (I have a substantial relationship with Chase), but they didn't care, no matter who tried to intervene in my behalf.

I had a similar experience recently. I used my Rewards+ card for small transactions a couple dozen times per month and these "repeated nominal transactions to generate Thank You points" were referenced in the letter they sent to me. The letter said that both the credit card and TYP account would be closed. For a couple days, I couldn't get thankyou.com to load, but since have been able to login and make a redemption. My Premier is linked to the same TYP account. In a chat on thankyou.com, the rep was able to tell me that I had a bunch of points earned with my Premier and 250 with my Rewards+ and the rep confirmed that those points would be redeemed first and expire in 60 days. Will all of my points, including the ones earned on my Premier, expire 60 days from the Rewards+ closing? Should I redeem all I have even without a specific redemption strategy? I guess we'll see unless anyone has DP to indicate one way or another.