Originally Posted by ronnyk

The key is whether or not WF suspects what you are buying at the grocery store falls outside the terms. Amex shut lots of people down from OBC over the past two months based upon its suspicions given volume (and, in my opinion, analytics concerning purchase patterns and amounts that happen to coincide with $500 GC + activation fees).

Let's be honest-- somebody didn't just wake up one morning and randomly decide to update the terms. The change came about because WF already suspects that people are using the card for MSing and it is realizing it is paying out more than anticipated/modeled for cashback benefits. The term changes will allow WF to do what Amex has already done. It is just a matter of time before the detection processes catch up with the term restrictions.