Do we have any consensus on shut down trigger behavior? It seems that it could be flagged for unusual spending in 2x or more categories, and also that it would get flagged for money laundering behaviors (high volume, quick payments, maxing out the credit line repeatedly in a billing cycle).

Some of the heaviest hitters that I know breezed through without a problem, using 5x categories that were maxed out.

I'm confused as to why a checking account would be a trigger... it would seem that they would want access to your interest free funds. Unless the double-take view into both MSing on Chase credit cards and dormant or MO funded checking accounts gives them too big a view on your finances.