Not sure who is missing the whole thing. I certainly know it. This is what I pointed out.

PS: we all see someone edited own post. And a lot of internet speculations are just wrong.

Citi closed all my cards today. I was using the AA Executive card earlier today.
No reason given over the phone, I'm really worried about having my AA account shut down as well.

Any data points regarding having accounts reopened?

You gotta give details. Anything. What cards did you have? Where have you been MSing? What's your AA card history in it's entirety?

Opened Citi checking account in 2020
Opened Citi Premier a couple months later in 2020
Opened Citi Business Aadvantage World Elite in 2022
Opened Citi Aadvantage Executive World Elite mid 2024
No other AA cards.

Citi closed the checking account a couple of months ago - no reason given.
I only used it to pay off my Citi cards, so I figured it was just because I wasn't using it enough - or potentially because I'm mostly outside the US.

No MS on the Premier. The Premier had also been cursed with ultra frequent fraud alerts (sometimes every 2-3 weeks), so I have found myself using it less and less.
Heavy foreign spend on both Citi cards for some time last year (made it to EXP within 2-3 months). That triggered an AML review, but everything was still good.

This month, I made two payments to someone through a non-US service comparable to something like Venmo, with about a week between them. Both payments (a couple thousand dollars each) went through without any issues, but some time after the second payment (same day), all cards were closed. So it seems quite likely that this was the trigger - but I also had a lot of legitimate spend.
I am wondering if a contributing factor might have been that I spend very little time in the US.
It could also have been the fact that my spending pattern for the past month was so different. Maybe that got the account flag, and maybe then someone just reviewed it and they didn't like that there was so much foreign spend, I don't know.

What about the accrued ThankYou points? Can you still transfer them out? Does it matter if you live in NY or another state?
Will the AA points still post? What's the risk of AA shutting me down as well? Should I burn all my AA points on refundable awards, just in case?
Right now, I can't even access the list of recent transactions, and the statement hasn't even closed yet.

My guess is the venmo style payments got eyes on the account and then the amount of foreign spend was the final straw
I do not think there is a risk of a AA shutdown, doubt they will even know Citi shut you down

You could apply for a Barclays AA card if you still want an AA card

That would have been my guess as well.

Ok, that would be great.

Already did. :D
Figured I'd better apply ASAP, before the cancellations are reported to the credit bureaus and my score tanks...

Forgot to mention, I also created some virtual cards with low limits for someone from my team (I run a software development company) to test payments in production.
So they would make a payment and then refund it etc. - I think they may also have accidentally chosen the refund reason "fraud" for one of the refunds.
That probably wasn't a smart idea either since they were making charges from a Ukranian IP address...

well that all makes sense now lol. I also think your AA should be fine. I haven't seen anyone get an AA shutdown unless they previously got axed for past shenanigans and then tried to open a new AA account (which seem to live briefly before they catch on). I'm not even sure standard foreign in-person purchases for a long time would raise many eyebrows. I've been out of country for 6 months at a time with no issues, and I'm sure there are plenty of expats using US cards regularly. Deposit accounts always seem to fck people over, along with shady looking transfers and virtual card shenanigans. This should really come as no surprise

I had my Chase checking account shutdown a few years ago then shortly after they shut down all P1 and P2 credit cards. The reason was for depositing MO’s, but since then I have been told by wise people that having checking accounts at banks where you have credit cards is never a great idea. The banking side is much more trigger happy than the credit side. There are too many good bank options out there to risk having an account at the same place you have CC’s.

Barclays closed all 3 of my cards . Haven't received the letters yet but they read them to me - something about a review of my account showed activity beyond their risk tolerance level. It said my credit reports were NOT used in making the decision.
I was spending pretty heavy (MS) on the cards over the last 18 months. Bummer that I wont be able to earn AA miles at all as Citi closed my cards last year 😭

Anyone seen this before from Barclays and know what I can expect? Would this be a lifetime shutdown (and how many years does Barclays consider to be a lifetime)?

Sorry to hear it.
From the few DPs I have seen about Barclays, it appears to be like Amex, i.e. no reprieve. However, it may be worth it to apply in a year or so. Things do change.
However, it also depends on how much you cost them with your prior MSing activity. I don't know what "heavy" means. For some, it $15K a month, for others ...$150K/mo.

Given that you had three cards, and I presume you used all for your MSing, you may be in for a wait, :(

My Barclays ban is lifetime. My original closure was due to extremely heavy MS. I apply every once in a while, but it goes straight to denial, and doesn't even show as an inquiry on my credit report. I was finally told by someone in their finance department that the ban is truly lifetime, unless Barclays would happen to change their policy.

Interesting that you get immediate decline. I was banned in 2016 and tried Aviator recently. They approved me and sent the card, but shut it down within a few days of activation.

I have had American Express cards for over 8 years. Recently, I underwent an Amex Financial Review and submitted Form 4506-C. Based on the tax documents they received from the IRS, Amex closed all of my personal and business cards.

They told me that the information on my tax documents—specifically my reported income—did not align with my spending, so they decided to close my accounts. The reason for the closure was not rewards abuse. After the shutdown, I was still able to redeem all of my remaining Membership Rewards points.

I was also told that I am not blacklisted and that I can apply for new cards again at any time.

My question is: based on past data points, how soon might I have a reasonable chance of being approved for a new card? I’m trying to understand how long I should wait. Is one month enough, or is it more realistic to wait something like a year?

If Amex credit cards is anything like Amex BB, you may be in for quite a wait. I was shut down in 2016 for obvious abuse of my Amex BB card, but due to a glitch in the system in 2019, snuck back in for a single card. Have been shut out since for Amex BB. So....going on 10 years :(

Of course, with the whole shebang getting the axe next year, matters little.
But my advice to you, try about once a year. All they can do is say no, and you might get lucky or they might change their policy.