You won't like the answer to your question.
Honestly, all banks treat it the same: if they catch you at it, and if they're in the mood to punish you, they will crush you like a bug. Accounts closed, points clawed back, blacklisted for years. They ALL follow this pattern. The only variables are: 1) will they notice what you're doing? and, 2) how much will they tolerate before they crush you like a bug?
There's no way to know either of those things. If you give them reasons to scrutinize your activity carefully, and/or if you give them a reason to crush you, they surely will. Unfortunately there's no way to know where the line is - you only know what their level of interest and their tolerance is until after you've crossed it. If you read the threads about the smackdowns, everyone who got crushed can look back and see things that they did to cross the line. Everything is great and everything is easy until one day when it's not. But you can only see that line after you have stepped over it and are looking back at it - you won't know that you've crossed it until it's too late.
Do you feel lucky? (/Clint Eastwood)