Earn points on Bank Transfers

Legoman said:
It's a premium, top-level credit card you're paying for the privilege of holding. It would be beyond bizarre for it to be cancelled with no notice and no explanation unless something has gone on with its use you're not revealing for whatever reason. It's equally suspicious that you're not very much more upset about it and just looking for possible answers in their T&C's to find an explanation. It sounds like you were half expecting this situation because you know how you've been using it.

I think your experience is unique to you only and does not reflect more widely on the rest of us with similar cards who have perhaps not gamed their system to quite the same extreme as you have. Just surmising with no evidence, but maybe they ran an audit that highlighted the customers who were the least profitable to them. ie. those who were maximising the benefits to an extreme, while at the same time carefully avoiding all costs and charges, and have simply decided to 'off-board' them with extreme prejudice.
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I had my amex card cancelled because i topped it into credit and asked for a refund, didnt know it was a no no in the credit card world

Filed a afca claim, got told afca cant do anything, and in their experience, they use the "commerically unviable" reason all the time
 
Chicken said:
I don't know if this would be a good idea. Personally, when I am gaming the system, I always stand below radar. I have personal friends who are not as close to radar as I am, but they are not exactly earning Citi money, so I would not want to rock the boat even when I'm disqualified from the game. Making a complain often brings attention back to the complainant, leading to the complainant scoring an own goal. Example: having their whole relationship checked, and maybe leading to even more disqualifications.
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Not a bad point. Would be good to get an answer though as to why they went down this path. Might hold off to see if others end up in the same position. Given there are a few having payalls rejected, I wouldn’t be entirely surprised.
 
N860CR said:
Not a bad point. Would be good to get an answer though as to why they went down this path. Might hold off to see if others end up in the same position. Given there are a few having payalls rejected, I wouldn’t be entirely surprised.
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This is entirely me, but I would personally be comfortable to just ring up, ask what happened, and play dumb. If the answer from the first operator is because I am unprofitable, or some clearly BS answer, I would end the call right there, and hope that the operator would take the next incoming call and that's the end of the matter. I would definitely not be chasing for a clear answer. This is just me, checking on things but staying under the radar. 🤷‍♂️
 
N860CR said:
no other usage
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We'll never know for sure, but perhaps this is what flagged an unusual use 'not in the spirit of the offer' clause and got you on their radar?
I've done the same as you but I do keep the card ticking over each month with a few token small value incidental purchases from real world shop retailers, just so every statement doesn't look exactly the same each month.