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Originally Posted by ChocolateFactory
(Post 37756705)
I was shut down by Citi, but surprisingly, they migrated my Barclays AA card over.
They took away ~300k Citi points as part of the shutdown and ignored all my letters regarding the Citi points. They only answered regarding my AA points, telling me that they were already transferred to AA... Now I'm wondering if i should ask about the Citi points again, or if I better let sleeping dogs lie... The thing is, I updated my address to New York shortly before they shut me down, so in theory, they should have given me 90 days to redeem the points... |
They never gave a reason, of course.
I had a personal checking account with Citi, as well as some personal and business credit cards. In the fall of 2024, I was MSing on my Citi AA card. It was not a known method. This apparently triggered an AML review (international charges) and they called me. I gave an explanation and that was the end of it, all accounts remained active. In the spring of 2025, they closed my checking account without giving a reason. I suspected that this was because I hardly used it (only transferred money in once a month to avoid the monthly fee and then used the money to pay off my Citi credit cards). Then suddenly in June or so, they also closed all my credit cards. This was after I had created virtual credit cards with low limits to be used for testing payment integrations by my Eastern European developers (testing that we can handle failing payments etc.). It would make the most sense that I got shut down because using the cards in that way is against the terms and conditions (I was really stupid), but I have also heard that Citi often shuts down cards months after the "offense" because the unusual behavior triggers a manual review process and they may have a long backlog to review? So maybe it was related to the MS activity after all? |
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