I'm pretty new to MVD but I wanted to post my results. After being shutdown very quickly on my first two cards, I decided to use a different strategy. Specifically, since I believe a shutdown is inevitable, my strategy was to load as much as I could on number 3 and 4 (in my wife's name) before spending. I loaded $500 a day during the week until the weekend when I really ramped it up on both cards. My feeling was that the shutdowns are probably manual and they would have little or no surveillance on the weekends (just a guess). So they would not shut me down until Monday. My plan went as expected. I loaded $2.5k on each card on 4 consecutive days (Friday night, sat, sun and Monday morning). I received the permanent cards on fri. To stay under $10k on each card I made multiple $3k payments to citi aa on the weekend. The end result was that I was able to load $24,500 on the cards combined (49 VRs) in a little over a week -- about a profit of $1K. If I do this again, I would use the same strategy.