Do you guys know if the rewards earned from credit cards like chase and citi can be redeemed as cash? I went through their website but they directed me to some online shopping website. I do not want to buy anything but just redeem the points as cash. Would that be possible?

And also I have a few credit cards which I had not used in a while. Now they sent me letters saying that my account has been closed because my balance to credit ratio is high. Has anyone had a similar situation? If you call them do they reopen the account?

Any suggestions would be highly appreciated.