What’s that saying? You’re not hitting it hard enough until you’ve been shut down. Well, it’s been no surprise that I hit my wife’s Arrival card HARD in 2015. To the tune of nearly 600,000 Arrival points aka $300K of spend, which averages $25K of monthly spend on a $15K CL.
How my wife got shut down
Well it’s clear that me running nearly 2X of CL every month caused the shut down. I’m just surprised it took this long. Almost all of the $25K each month was on NWB and USB loads (may they rest in peace) – maybe there was $500 – $1K worth of ‘real’ spend every month. I had a recurring $3K charge to Plastiq the last couple of months too.
What triggered this in January? I honestly don’t know. I know for the past 3 months, I had been carrying an $8-$9K balance by accident. So maybe the high balances were the trigger? I know my wife tried to use her card earlier this year, and it got declined. She called and they said they were sending her a new card because the card was used at a retailer that was compromised. Sure enough, they sent her a new card, which is now worthless.
As for payments, I paid via my checking account lately. No CFP or any funny payments to them.
I was shut down too
I did very little MS on my 3 cards – Aviator Red, Arrival, and Hawaiian. When they wiped out my wife, they decided to kill my 3 cards too. I never added my SSN as an AU on her account; I’m sure they matched me by name and address. I honestly think her shutdown caused my 3 cards’ shutdowns; kind of like collateral damage.
What about my points
My wife has about 30K points. My A+ has about 20K points. I tried to redeem the points online, but could not due to the shutdown. The only thing I could do was schedule my last payment.
I plan on filing a CFPB to get my points and possibly my annual fee refunded. I read some people will get their pts valued at $.01, which is better than nothing.
The funny thing is that my MS has ground to a halt due to the new NWB limits. I was ready to call them to cancel my wife’s card to get her AF prorated refund. I will miss out on 20K AA points due to the retention and spending offers I had on my Aviator Red, but oh well.
If you hit them as hard as me, I don’t know what advice to give you – keep hitting them hard until they eventually shut you down too or you can stop using the card. I read that people who have been banned haven’t been able to get another card, so you may even consider proactively cancelling your abused card and starting over with a new card down the road.
If I were to do it again, I wouldn’t have changed my MS spend on the card. It would have been nice to get some sign-on bonuses for future Barclays cards, but I would have never MS’ed on their cards again just because I’ve mostly stopped MS’ing.