freeloader

I know I'm in the heavy minority here, but 2/3 of my accounts avoided the axe and are definitely still kicking. No rhyme or reason why after reading the shutdown thread, just luck I suppose. Both accounts had frequent WM loads

Anyhow, I know some of you are in the same boat and was curious what you were doing nest. I figure a shutdown is coming, and probably sooner then later and my options are:

1) keep going full steam ahead, figuring shutdown is inevitable so load what can be loaded
2) lay low for a while and hope it blows over the account
3) empty the account and close it on my terms. Since it's probably marked, if I cancel it, I can probably apply for a clean and new account next month - ideally with no marks on my record

I can sort of leaning towards #3, though there are risks there too (that I am tossing a working card and could get denied in the future)

For other survivors - what are you doing?