Originally Posted by
gumercindo
But, I don't MS, no MOs, no BP, excellent credit, excellent income, solid/long credit file, etc. I'm not super worried but I do plan on leveraging my CIC 5X bonus categories by buying store GCs this year. I definitely won't reach my $25k 5x cap on the CIC but I'm wondering if I am in danger of being shut down even if I "only" leverage the 5x to $20k, for example and no other shenanigans (no MS, etc.)? Thoughts?
Honestly I wouldn't worry too much. Probably 95% of the spend on my Ink Cash is 5% categories, most of it is MS - buying VGCs at Staples/OD/OM, and the rest is my monthly Comcast & cellphone bills. The other 5% is when I occasionally buy gas with it (a 2x category).
Chase knows the 5x is a loss leader, which is why it's capped at a certain amount. As long as you're staying below that and aren't doing anything shady (anon bill pays, MOs, etc) I highly doubt you'll wind up on their shutdown radar.