Sigh. You.can keep yapping on about this but doesn't change reality. There are thousands who MS - only a handful report shutdowns - and there's almost always a reason besides cycling that causes it (usually having to do with payments - multiple online debits, anonymous moneygram billpays, paying directly with MOs, bounced check etc etc). Most banks dont care about cycling so long as the payments can be traced for AML/KYC regulations.