MSers like to think they're not doing much, until they get on CC's radar like amex does.

btw, I read on myfico that amex knows those $500's bought at drugstores and grocery stores are gift cards since one who was FRd was asked directly why they were buying lots of giftcards. There was no beating around the bush on what those large amounts were but asked why they were buying lots of them.

Therefore, everything is fine until one day, one gets a call or sees charges are suspended on their card and are asked to call. Good thing though, there's a lot who pass FRs.

At least, amex gives chances while Chase closes accounts w/o giving chances to clients.