6/8/2019 업뎃: 간밤에 바클리 셧다운 나왔습니다. crazyoldcatman이라는 이 유저는 지난 2월에 AOR (app-o-rama, 다방치기) 직후 USB 로부터도 셧다운당했었다네요. 21/24 정도 되고 MS 많이 하고 credit cycling도 계속 하고 한달에 한두장씩 계속 열지만 유일한 바클리 카드인 도착카드로는 별로 abuse 안하고 organic spending만 좀 했었답니다. 그래도 최근 체이스 셧다운과 마찬가지로 바클리 새 카드를 열지 않았어도 소프트풀을 해서 recent inquires and new accounts가 많다는 이유로 (아마도 매뉴얼리뷰해서) 셧다운한 것으로 보입니다. 바클리 셧다운이 잘 안나오는데 이번에 x/24 카운트 높은 상태에서 도착카드 달리시는 분들 조심하시면 좋겠습니다 6/24가 하드룰이 아니라서 쌍둥빠님같이 22/24 정도에서도 승인되는 경우가 있어서요.

 

Barclay's shut me down :( logged into my account to set a travel alert, only to be notified my account has been closed. This leaves 30k points on the table. I called in, hoping it was an error, but they told me it's due to recent number of accounts and inquiries, which admittedly there are a lot. This is my 2nd shut down since my AoR in February, the first being USB. Credit department at Barclay's is closed now of course, and I'll be abroad so this battle will have to wait. Not the best start to a vacation.

 

https://old.reddit.com/r/churning/comments/bxtadl/discussion_thread_june_07_2019/eqblgci/

 

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4/23 업뎃: 희귀한 아멕스 셧다운 케이스가 나왔습니다. 어제 다른 포럼에서도 하나 더 나왔다네요 아멕스도 셧다운 레이스에 참여한게 아닌가 하는 우려가 있습니다.

 

시티 AA를 계속 달린 것으로 보이고요, MS를 한달에 만불정도 했어요. Credit cycling도 "지속적으로 항상" 했습니다.

MS-CC 콤보 정말 가급적 삼가세요.

 

Cards I had: 2x Plat, 2x BGR, 1x Gold, 1x SPG, 1x SPG Biz, 1x Blue Biz, 1x Hilton Biz

Credit Card Profile:

• Chase, 4 cards, 22K total across those cards. 1 Biz card with 7.5K

• Citi: 6 Cards, 6K each • Alliant: 10K

• BoA: Only 7K in biz.

• Discover at 10K

• Amex cards had a plethora of different limits and such.

Overall utilization reported to Credit Bureaus: at most 10K. Applied for Personal Plat in January, after that I started having trouble redeeming MR. All credit cards cancelled.

FICO: 720 Experian, 790 TU and EQ.

AAoA: Generally I try to pay everything off before the statement is due.

Inquiries: In the past few months I have had tons of Citi inquiries.

MS Activity 1. Gas stations, drug stores, Gift Card Mall. 2. Volume in the last 90 days – Low. I’d say up to 30K. 3. I do cycle my credit limits 4. I do not shit where I eat. 5. I usually initiate payment via Amex Portal. 6. For Amex, I’d say 99% of my spend is MS, 1% organic.

Spending Behavior 1. I was putting about 1% Organic spend. Maybe $500 in a month. 2. I have NEVER sold points 3. No chargebacks with them. 4. I went to Financial Review back in May of last year, passed. 5. No derogatory notes.

I’ve had my MR frozen since January. It first appeared when “your account has been flagged for selling points”, but I had never done it. Ever since, I was under a spend review since then. But ever since then, I was able to redeem points via Amazon (I only did 1 point, to see if it would work) or Pay with points if I called in and they manually took them out). I was still able to earn points, so I kept spending like normal. Past the 12 week mark, still wasn’t able to get it fixed. Called in to get it fixed, but they said to wait. Opened up a case, and then got the shutdown emails a few days later. I have not tried to get my accounts reinstated. 650K MR lost, but even if I go look at my account, it shows I’m negative 250K.

 

https://old.reddit.com/r/churning/comments/bgf1xw/discussion_thread_april_23_2019/elkn2zz/

 

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4/20 업뎃: 또 보아입니다. tradeline selling, 즉 돈받고 모르는 사람 authorized user로 넣어주는 걸 하다 걸렸답니다. 어제 알려드린 체이스 셧다운 52번도 디스커버카드로 이거 하다가 셧다운 당했었다는데 아니 이게 언제적 얘기인데 아직도 이 위험한걸 하는 사람들이 있네요 절대 하지 마시길요.

 

Bank of America Closed all Credit accounts with me because of adding Authorized Users on a single account.

Let me be blunt, FUCK BOFA

 

https://old.reddit.com/r/churning/comments/bexviz/frustration_friday_thread_week_of_april_19_2019/eldc6v2/

 

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4/19 업뎃: 이번엔 보아입니다. 며칠전에 Travel Rewards 카드 신청했다 리젝먹고 닫혔답니다.

3% grocery store 카테고리 맥스아웃 한 것이 눈에 띈 것으로 보입니다. 기카 사서 MS 하던 것으로 추측합니다.

 

BoA apparently closed my credit cards? I only had a Cash Rewards and an Alaska card - and wasn't abusing them or cycling or anything.

I noticed they disappeared from my online profile a few days ago. I called in and nw i'm told they were closed. Trying to appeal now. The only real "Frustration" is that i have $25 in rewards pending on my Cash Rewards (and was hoping to use the Alaska card for the companion ticket later this year)

EDIT: apparently there's little recourse, except to "submit info for re-instatement" which will result in a hard pull and, possibly, new cards. Obv, if i'm gonna get the Cash Rewards card again, i'm going wait for a better SUB, and i'd rather not waste the HP. And there's no guarantee i'd even get a SUB for either card...

I think this is b/c a few weeks ago, i applied for the TR card on a whim and got rejected. I'm maxing out the 3% on Drug Stores fairly easily, but oh well.

 

https://old.reddit.com/r/churning/comments/bexviz/frustration_friday_thread_week_of_april_19_2019/elaiefb/

 

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4/17 업뎃: US Bank Altitude Reserve 카드를 최근에 연 US Bank private client인 유저가 라식수술비 3천불 긁어서 미니멈 채우려다가 카드가 닫혔답니다.

US Bank 카드 여러장 셧다운 당했던 다른 유저의 댓글에 이 은행은 reinstate 확률이 제로라네요.

카드를 열기도 터프한 은행인데 기카 구매등의 MS 가 아닌데도 큰 액수를 한번에 긁는 건 미니멈 맞출때 피하라는 얘기들을 합니다...

 

https://old.reddit.com/r/churning/comments/be6ge2/discussion_thread_april_17_2019/el4elc9/

 

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4/8 업뎃: 이 글은 체이스를 제외한 기타 은행 셧다운사례들을 보고해 드리는 글타래입니다.

체이스 셧다운은 레처님 글타래에 댓글로 계속 업뎃드립니다.

아멕스 financial review는 일일히 보고드리지 않습니다 하루이틀에 하나정도는 나오는 것 같습니다.

아무도 안보시는데 레처님이나 저나 이걸 계속하는 이유는요 historical and recent DP들이 한곳에 잘 모여있으면 어찌하면 셧다운 위험이 올라가는지 파악할 수 있고 경향성이 보여서 미리 주의하실 수 있고 혹시 많이 달리셔서 불안하신 분들이 체크해 보시고 감을 잡으실 수 있으실까 해서이고요, 셧다운 한 케이스도 안나오고 모두들 안전한 마적질하시면 좋겠어서에요 자꾸자꾸 안좋은 겁주는 소식 토잉해서 죄송합니다...

 

15분전에 레딧에 보아 셧다운 하나 더 나왔습니다. 카드 신청이 트리거하지 않고 최근의 체이스 셧다운 두 케이스마냥 보아가 자체적으로 soft pull 하고 리뷰해서 닫은 것으로 보입니다. 최근 0% balance tranfer해서 카드빚이 3만불이었고 많이 달렸습니다 그리 놀랍지는 않은데 카드를 신청하지도 않았는데 셧다운당하는 케이스들이 많이 그리고 보편화되는 느낌이 있습니다.

 

large amount of revolving debt (I recently did two large 0% BTs)

too many inquiries in the last 12 months (9TU/8EQ)

 

https://old.reddit.com/r/churning/comments/basf8w/discussion_thread_april_08_2019/ekfc3i9/

 

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3/6 업뎃: 얼마전에 레처님이 셧다운 당하신 일이 있어서 놀랍지는 않은데요 오늘 레딧에 보아 셧다운 케이스 하나 나왔습니다.

Merrill+ 카드를 오만점 다시 채워넣을려고 5천불 리밋인 카드에 4천5백불 한방에 (90% utilization) MS 하고 바로 갚았다가 걸린 것으로 보입니다.

저 이거 은행마다 셧다운케이스 콜렉트하는거 취미들이면 안되는데요....거듭 가늘고 길게 조심들 하시라고 리마인드 드립니다...

 

Nothing like coming home from a wonderful 4-day trip to Charleston (already sad, loved that town) to 3 mailings from BoA notifying me that they closed all 3 of my CC accounts, including M+. Immediately logged into my BoA online account and out of the 3, M+ account still shows. Still see 37k points. Does BoA have a timeframe to use 'em up or are they forfeited? The two other CC's (BoA TR and Amex Cash Rewards Amex that I had for at least 10 years) are delisted completely from my online account.

Reasons stated were: "Recent trend in balance on one or more of your accounts compared to past balance. The amount of credit extended to you by us and/or our affiliates is sufficient based on income and indebtedness. Too Many credit cards with balances or the revolving balances are too high".

I've only recently MS'd $4.5k on my M+ card ($5k CL) recently in attempt to get back to 50k points to top up my account after hardly using it for a while. Never missed payment or anything, either. Oh well. First major blow since started churning. Time to move on I guess...

 

https://old.reddit.com/r/churning/comments/axxn7b/discussion_thread_march_06_2019/ehyabgu/

 

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2/26 어제 시티 셧다운 해피엔딩 업뎃입니다. 옆동네에 CITI gonna CITI 라는 속담이 있습니다. 다시 다 열어줬대요. 셧다운까지도 시티답네요 허참...

 

https://old.reddit.com/r/churning/comments/auy8dj/discussion_thread_february_26_2019/ehc382e/

 

I contacted the bank once again to speak to a supervisor, and she mentioned that after doing a "periodic review," too many recently opened accounts are what caused a shutdown and they could not do anything at this point. I literally explained to her that I've been opening accounts consistently for the past 6 years, and its not something recent. She mentioned my last opened account was Oct. 2018, and it's too recent so she can't do anything at this point. Funny thing is I've opened 9 more since Oct. 2018, which currently show up on my experian, so apparently they don't have updated credit bureau reports. That's when I mentioned that I just got approved for a Citi card a week ago, so how does it make sense for one department in the bank to review my report and extend credit, yet another department to deem me a risk and shutdown all my accounts. She asked me for my application reference number, and put me on hold for 5 mins. She came back, apologized, and said that she sees I was recently approved for a Citi AA card, so she'll go ahead and reopen all my accounts. It's ironic that I had to mention my even more newly opened accounts, in order to have all my accounts reinstated again, which was the original reason why I got shutdown in the first place.

 

2/25 업뎃입니다. 방금 레딧에서 시티뱅크 셧다운 하나 더 나왔는데요, US bank 셧다운 글 위에 얹습니다.

 

시티 Dividend 카드 5% 하려고 7/11에서 기카 두장 구매 시도했다가 펜딩나고 매뉴얼 리뷰후 셧다운 당했답니다.

2013년부터 시티카드 보유, 기카도 여러번 사고 아무 문제 없었다 하고요.

이 Dividend 카드 맥스해봤자 천오백불인데 사람이 보고서는 AA 카드 포함 6장이 모두 닫혔대요.

바로 이틀 전에 새 카드 승인해줘 놓고 똑같은 기록을 보고 닫았다네요.

절대 사람이 보는걸 피해야 된다는, 기카는 항상 AYOR, 또 항상 카드사들은 체이스 셧다운, 아멕스 FR 아니라도 매뉴얼 리뷰를 통해 셧다운한다는 reminder 되겠습니다.

 

So my Citi dividend just went into review after I attempted to buy two gcs from 7-eleven. I called thinking it would just be a quick verification of charges, but instead they said I can’t currently use this account and they need to review it further. I’ve had the card for about 2 years and I only use it to max out the 5% categories once a year. Called in again and I was just informed that they've closed the account. Closed 2 of my dividend accounts, and the third one which I haven't purchased anything on hasn't been affected yet. I've bought gift cards on my Citi cards for as long as I remember, so I have no clue what triggered a shutdown this time. When I asked for a reason, the rep said that my credit report showed multiple new accounts recently, so the bank has closed the accounts after doing a "periodic review." I see now that all 6 of my Citi account and 1 Biz AA account all show as closed.

 

First account opened early 2013. Never made a late payment, nor have any negative remarks on my credit report. I have a score of 785 on my experian with a 6% utilization. I'm still baffled at what happened, and they're not willing to budge on it. I guess CFPB is the only thing I can do at this point.

 

They just approved me for a card 2 days ago, after reviewing my application and my credit report. Yet, they’re going to shut me down from all my accounts from supposedly looking at the same credit report. Nothing has changed between now and then.

 

https://old.reddit.com/r/churning/comments/auk2mm/discussion_thread_february_25_2019/ehacc9k/

 

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2/18 방금 레딧에 올라온 케이스입니다.

US Bank 카드를 8년전부터 보유하고 뱅킹 relationship도 있던 사람인데 Altitude Reserve (AR) 카드 포함 AOR (app-o-rama 카드 여러장을 단기간내에 신청하기) 했답니다.

AR 승인 받았는데 며칠후에 멀쩡한 transaction 자잘한거 몇개가 거절되면서 셧다운됐답니다.

이미 승인 받았기 때문에 soft pull 한거에 최근 하드풀이 많이 보여서 셧다운이 트리거되지 않았나 싶습니다.

AR 신청시에는 5/24 내지 6/24, 신청된 카드들이 다 뜨면 조만간 16/24가 될거랍니다 비즈카드 몇개까지 해서 20장정도 한꺼번에 신청했대요.

US Bank는 한번 셧다운당하면 끝이랍니다 아멕스나 체이스처럼 일이년내지는 몇년 후에 다시 시작하지도 못한대요.

여기서 이렇게 미국애들 하는거마냥 AOR하실 분은 거의 안계시겠지만 어느 은행이고 셧다운은 항상 하고 있다는점 명심하시기 바랍니다.

 

https://old.reddit.com/r/churning/comments/arw5mf/discussion_thread_february_18_2019/egqce47/

 

Watch out for USBank. They shut down all of my credit card accounts with them. My oldest CC is with USB from over 8 years ago which makes this sting a little more. I applied for the AR in my recent AoR and was approved. I used the card on several legitimate transactions but it was declined about a week later. When I called in I was expecting it to be just a fraud alert. However they informed me that my recent behavior seeking credit is viewed as risky and cancelled my account. My other cards appeared active at the time but now they have all disappeared from my online banking. I'd call today to appeal but it's a bank holiday. I've also read other DPs saying a USB shut down is the end of line for USB so I'm not feeling hopeful.

 

 Private client group for starters (though not many assets to speak of). I also had my first student credit card and a checking account through them from 8 years ago and a Cash+ from them that is about 4 years old.

 

At the time of applying I would have shown 5/24 or 6/24. My report now probably shows 8/24 though will soon be 16/24. There were several more inquiries from business cards over the last year.