THIS. At least I don't have to deal with the people of Walmart, the employees of Walmart, the lines of Walmart, and the parking lots of Walmart, ever again.

I'll add 2 data points:

Received the dreaded email on my 7 month old Serve account 5K a month only SM VGC used to directly pay off bills

Have NOT received the email on the wife's brand new Serve VIP account. Opened December 2015, loaded 5K, have not loaded in January yet. No email yet.

My only concern is if my new Amex Plat is in danger? Anyone know anything about other Amex cards, or should we be good?