I appreciate the use of my link, I hope you loaded it and got your $20.

A couple of days later that I got your message on FT of using my link, I got shut down by Netspend.
I had no recent activity, last more than 5 days, an ACH, so I guess this referral triggered a "review", and shut me down.
Of course this is anecdotal, but I had no other activity.

My strategy to go slow and easy does not work.
And of course I did not get the $20 referral.

I did get the sign up referral though.