Question for those experienced. I've had plenty of shutdowns and am used to them.

I did an end run with one of the CC vendors that shut me down and had my brother open an account with them. It's a 2% cb biz card and I've been buying lots of gc's online with it. They had a stupendous signup bonus which I let him keep.

The bank called him last week, I think about 10 days ago. He told them (correctly) that he's both an attorney and a local politician, and I don't know what else he said. One can easily imagine how an attorney could use gift cards as a way to disburse funds to clients. I don't know exactly what he said, but I'm pretty sure he didn't lie - he was just vague.

Here's my question. In my experience, if they're going to shut you down they do it pretty quickly. Do they ever kick it upstairs to a higher-up who calls again? Or if you get past this hurdle are you pretty much in the clear?

It doesn't matter really, I mean they will do what they do.