Originally Posted by Statman

If I had to hazard a two-cent guess, I think someone like OP is not targeted due to lack of spending in key categories such as travel, shopping and dining.

With that being said, he spends nearly the entire amount each month on things like dining at Michelin star restaurants, shopping at high end stores, buying J and F classes tickets to London, Tokyo, Hong Kong, etc. and staying the Four Seasons.