Hi Everyone.
I have read this thread, and can't say how I know this, but wanted to let anyone who is thinking of 'Maxing Out' the card with refundable purchases before it closes, with subsequent refunds, know that MBNA & BA are well aware of people intending to do this: and it may lead to an audit of your Exec account to reinstate the balance, and potentially further actions/scrutiny if you have a history of this.
Best,
B.