So I'm supposed to pay an AF on a card that doesn't exist anymore? I only closed 1 personal and 1 business card and converted the other personal. No A/A was ever taken. Why should I be concerned?
Nothing needs to make sense with them. Yes, to answer your question, that's exactly what happened to me. I had a similar setup to you, they came after me for cards that were 1-2 years old, and one closed one as well. No a/a was taken in my case until the day of my first redemption. That very same day they "randomly selected my account for review" and found these problems. I'm not trying to be a fear mongerer, but people need to realize what they are up against!