I'm not sure I see the loophole we supposedly took advantage of. Chase offered to sell TCs with a credit card payment, which is what we did. Chase couldn't care less if we got miles for the purchases or not. The only improper action on our part, myself included, was to try to use fictitious names or "apartments" to get around the 7-day restriction. Sounds like those who did got cut off. Completely deserved. But ordering the TCs in the first place for the sole purpose of earning miles was completely proper.