i dont understand this. does this mean citi is now exercising some type of shutdown sliding scale? ive never heard of this. citi shutdown has always been like chase shutdown. total nuke of all cards and points. no warning. sometimes deposit accounts are left alone. but ive never heard of citi closing just one card for "abuse" and letting you keep the rest of TYP and CC open. is this new? or maybe rewards+ is a special case since its just "minor abuse"?

This thread is too quiet.

anyone here notice an uptick of people getting back in even after chase shutdown from a few years back? looks like post pandemic fat cat strategies are kicking in. banks secretly want the "gamers" to inflate their numbers. ive heard of several people getting back in. i think it also depends on severity of the shutdown reason. anyone else with some DPs?

Chase has always let folks cashout points that were posted. Lot's of shutdown DPs say they give 30 days I believe. That's one of the relative comforts with them. Hit it until they turn off the tap, take your bag and go home. Citi is the one where YMMV. Sometimes you get a chance to redeem, other times it's all gone in a flash but you can typically get compensated from them if you take it to arbitration.

oh yea. whoops. thanks for the reminder. cant believe ive forgotten about the chase 30 day points redemption policy after shutdown. yes. youre right. the chase lawsuit a few years back changed all that. i wonder why not all banks do the same. but with citi, its been 99% nuke. all prior DPs of TYP redemption has been due to catching the shutdown same day where the servers have not updated completely yet. so you have this small 24-48HR window to unload your points. ive never heard of 30-60 days to redeem TYPs after card closing for "abuse".

I can add a follow-up to my DP from a couple yrs ago (which was posted here). At that time Chase shut down all accounts in my household. Now a couple months ago I tried to apply for CSP. The bank initially turned me down for this reason: "Accounts were previously shut down by the bank". I called a recon line -- it's now outsourced overseas with no decision power. But the agent asked me if I'd like him to submit my app for reconsideration. I said yes, and gave him this as my reason: "The bank never claimed that the shut down was my fault, thus can't use that as a negative against me". A few days later I got a phone call from a Chase agent stateside, informing me that I was now approved! Yeay!

wow. very nice. really happy for you. if recon approved you, then im pretty sure that decision is final vs auto approval and then shutdown a few days later due to "prior unsatisfactory relationship". meaning, youve had eyes on your accounts and they still approved you. sounds like chase is letting people back in. awesome.

can you share more info on the shutdown? was it MS, WMBP, MO depo etc? or was your shutdown due to simple "too many recent inquiries/accounts/sudden high spend" etc etc? it sounds like the lesser abuse cases get back in much easier. but also, im pretty sure this 2nd chance is the last chance. i assume you will keep your chase accounts super legit now.

EDIT: just found your chase shutdown DP. looks like you were part of the stupid arbitrary bustout algo shutdown wave.
https://www.flyertalk.com/forum/30051965-post231.html

you didnt try to get this reversed? almost certain you had a good chance. in any case, im glad youre back in. your shutdown cause was "minor" compared to other DPs.

My initial shutdown was part of a known pattern (just not known to me at that time LOL). I had a bunch of very old CC's, and used them mostly in the 5x or 5% categories. No spikes in volume, no risky activities, and no carry-over balances. Then, after several years of the above, I applied for a co-branded (Hyatt or IHG) card. The new app triggered a profile refresh, which likely indicated that I'm not the high-margin customer (albeit very safe). Now I know that quite a few customers with such profile were dropped by Chase. They never disclosed the reason to me, except that it was a "business decision" for the bank.
I guess now they could use some safe low-margin customers.

im guessing your shutdown was due to your x/24 number. chase was just expanding its 5/24 rule in 2018. you got caught in their trap. i think many got it reversed as well. you had a good chance. you didnt do anything crazy. but im glad youre back in now.

That too -- I don't track that number, but in 2018 it was likely in the LOL range. I did not object to the original shut down, just didn't feel like it.

dude. cmon max. i cant believe you didnt even try and punch chase in the face. you had such a good chance for reinstatement. only because you didnt do anything crazy like other MSers. so sad. but thats OK. youre back in now. if they shut you down again after a few months and you get a letter saying "unsatisfactory relationship", you better fight that crap.

I see that reaction a lot - whenever there's an unexpected change, resist at all cost. Is the assumption that anything involuntary must be bad for you? Sometimes it is. Other times it forces you to try something different and ultimately better. I often go with my gut feel, and in 2018 it felt like taking a break from Chase was not such a bad thing. That bank turns very arrogant during the up cycles, and more customer oriented after down turns.

They can always use safe customers, even if low margin as long as they are making money on the account.

However, I would be very very careful on your activities. I suspect that you and others with similar backgrounds are monitored more closely than the average bear ;)

However, it is always good to resurrect an account that was previously defunct.

Any updates on this yet? Also, what sort of volume were you doing?

Where are those DP's? I'd be interested to read through them

Check the "Citi Shutdown thread" in the Citi card sub-forum.