Your credit score doesn't immediately update, and never takes savings into account. Your score went back up after paying it but took a while to update.
also, if you are depositing $15k checks to make $4k payments, how is your limit only $11k?
Did some googling. One website says that they treat it as a cash advance, and not a purchase, so they don't gift rewards for it.
Don't know if that is accurate or not. Maybe Chase and CITI slipped through the cracks.
I'm good at reading people. All I need to do is meet with them, see their resume, do a google search of them, facebook, etc. and I can figure out who they are. Maybe criminal/credit background checks too.