we all think that accts are suspended left and right. What about the millions of MVD out there that are owned by folks that don't read these forums or don't know about the game. If we could find out how the "lower" class works with these cards, we would know once and for all. I know that if you never use the VR route, you will never get shutdown. But then again, that would make too much money for Incomm. So basically, don't load more then 2 per month and I figure you'll be OK. My wife and I have 6 cards total for 12K/ month and no shutdowns yet. Withdraw MO for 430-450. each at WM. Also spend 4.00-5.00 month purchasing items with the cards.