So I ruined the thread I started?

Actually, this thread has been pretty thin on answering the question I posed (anyone ever have card cancellation or credit review initiated) and thick with opinions re my conduct. Which of course is fine, as people are entitled to their opinions, and can certainly post things which don't directly answer the question in the original post.

Kind of interesting that those who seem to be ignorant of the definition of fraud are the ones with the most hostile posts - a prime example being "take it or leave it fraudster." I guess these forums can mirror life - those who have no idea of what they are talking about can often have the most vehement opinions.