Bust out risk on credit cards, agreed.
Probably due to MSing?? I bet the answer is yes. Easy to see GC purchases as the predominant charge on each credit card.
I suspect your business account, like mine, is an active account with a cash flow. I get monthly reviews by Chase offering me additional services from their various business lines.
I also have large fluctuations in credit card volume but that is my history with this bank and is not from MSing activity for the vast majority of the charges.

My biz account was a one-and-done for the bonus. Made zero deposits past initial opening.

I've read about chase shutdowns for years and the common theme is someone ramping up too hard on new cards AND maxing out CL, plus possibly a thin credit history. It's not that they care about MS itself, it's the risk profile that heavy MS creates for them.

Haven't seen any data points here, but I was shut down from PNC bank. No reason given, but it happened shortly after depositing a "mortgage statement" check from cit to redeem points. I had done that without issue many times. I've also done a fairly small number of money order deposits on the account. This also happened shortly after an investigation from the IRS (which was immediately dismissed when they realized it was MS, not something more shady. I had a good amount of regular activity on the account too, which had been open for maybe 6 years.

No reason given of course, but I called in and they told me on the phone I was not banned and I'd be able to open another account. I found that doubtful and decided to wait 9 months or so, and not surprisingly I was unable to open an account.

Also on my persona nongrata team are BofA, Ally, and a few local banks.

What got you banned at BoA? Thinking of opening an account there to go for credit cards but would want to deposit money orders.

Seems more likely it was the MO or IRS activity. Proximity to the Citi statement check is not causality. Was the IRS investigation related to the PNC account?

Citi now does straight statement credits or direct deposit of cashback at 1:1 so not sure why you did a "mortgage statement".

Don't mess with BOA. And don't s*** where you eat either.

Even better, how the heck does one get banned by Ally? Did you churn CDs ? :)

Are you certain that your name is not in the ChexSystem??

Easy. Deposit BG checks and you’ll get shutdown.

What's that?

Buying Groups. Ally def does not like a lot of BG activity.

P2 got shut down by chase in Aug 21 , opened checking account in April 2022 deposited DD from employment , but checking accounts also shut down in 20 days .

When can we get into chase credit cards again ?

Also got shut down from Cap 1 in 2018, tried again in Sep 2022 , got it approved but account got closed in 5 days. Atleast new account which got booted , didnt show up in credit reports till now.

Unlike some banks, Chase does let at least some banned people back eventually. But unfortunately there is no consistent pattern or time-frame about when that happens. I would try again in a few years.

USAlliance Visa Signature shutdown due to 6x MS at grocery store. Allowed to use the card but will not receive any points.

Yes, let's pour one out for the deal that was too short lived. I place a redemption order the morning of shutdown, let's hope that at least makes it to my account.

It appears they're using some kind of 3rd party rewards portal. I'll try to call that company next week and see if there's a way to get re-connected.