Here's the bottom line on this (from my second conversation with Beata): Chase doesn't want customers who order more than once or twice a year. Ordering once a month may be allowed but more than that will set off their alarm and you will be told to go elsewhere, buh-bye. Her advice...if you need to order more than infrequently (which in Chase-speak, is once or twice a year), go elsewhere or you'll get "the letter." If you're a longtime Chase customer, they'll cut you a little slack..(maybe they got tired of the multiple names, apartment numbers, etc. that some tried to pull over on them..)