Shutdown Thread (2025 onwards)
Jan 3, 2025 | 5:17 pm
#1
Original Poster
Join Date: Feb 2015
Posts: 198
Shutdown Thread (2025 onwards)
Another year, another thread of woes.
But if you get shut down, you're working hard at it!
Last year's thread:
2024 Shutdown Thread
But if you get shut down, you're working hard at it!
Last year's thread:
2024 Shutdown Thread
Jan 3, 2025 | 5:20 pm
#2
Original Poster
Join Date: Feb 2015
Posts: 198
I'm looking at the US Bank Smartly card, mostly cuz the name is cool, but also I guess because it's 4% with the right hoops?
So if anyone wants to tell me what not to do to get shut down here when I abuse this thing like a rental car, I'm all ears.
So if anyone wants to tell me what not to do to get shut down here when I abuse this thing like a rental car, I'm all ears.
Jan 6, 2025 | 8:46 am
#3
Join Date: Dec 2015
Posts: 26
Just a tangent to your post. I applied to the Smartly card but was denied due to a shutdown on a Fidelity 2% card. Apparently Elan is owned by US Bank and they levied a ban for all products in the future. Just adding my 2 cents about how MS unfriendly they are.
Jan 6, 2025 | 3:11 pm
#4
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 7,382
It may be why there isn't much activity discussing US Bank credit cards
Jan 6, 2025 | 7:57 pm
#5
Join Date: Apr 2014
Posts: 327
USB never been MS friendly. When AR came out, they quickly shut people down over abusing 3x on mobile wallet. Zero chance they would put up with MS on the Smartly.
Jan 10, 2025 | 10:17 pm
#7
Join Date: Jul 2014
Location: JRF
Programs: HA Gold, AA Gold, Marriott Platinum, Hilton Gold, National Executive Elite
Posts: 1,964
Jan 11, 2025 | 3:46 pm
#8
Join Date: Oct 2015
Posts: 228
it's hilarious how people still hold onto the AR drama that lasted all of like a couple months. I got an AR on day one, MSed 90% of the MSR, never had an issue to this day. I know people who are still putting disgusting volume through this card at 3x. And you're probably going to say "you're the exception, be careful, live in fear". The shutdowns were the exceptions, and there hasn't been a single shutdown DP I've seen since 2018.
Jan 11, 2025 | 10:01 pm
#9
Join Date: Dec 2008
Location: DUB-BOS
Programs: various
Posts: 4,260
it's hilarious how people still hold onto the AR drama that lasted all of like a couple months. I got an AR on day one, MSed 90% of the MSR, never had an issue to this day. I know people who are still putting disgusting volume through this card at 3x. And you're probably going to say "you're the exception, be careful, live in fear". The shutdowns were the exceptions, and there hasn't been a single shutdown DP I've seen since 2018.
Jan 12, 2025 | 4:26 am
#10
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 7,382
Congrats on having the card. I agree with soy that the USB card offerings are very meh
However, it doesn't negate the numerous DPs on how USB plays with MSers, unfortunately.
Jan 12, 2025 | 12:26 pm
#11
Join Date: Oct 2015
Posts: 228
Talking about the AR card is a waste of time. It is no longer available on the market, and therefore, unless someone does something really stupid with it, USB doesn't care. They are happy to collect their $400 and give you its benefits, which can be found discussed here.
Congrats on having the card. I agree with soy that the USB card offerings are very meh
However, it doesn't negate the numerous DPs on how USB plays with MSers, unfortunately.
Congrats on having the card. I agree with soy that the USB card offerings are very meh
However, it doesn't negate the numerous DPs on how USB plays with MSers, unfortunately.
Jan 31, 2025 | 4:25 pm
#12
Join Date: Feb 2014
Posts: 835
