I've done my reading here and am trying to evaluate the incidence of shutdown on credit cards using BillPay vs. bank account closure with MO. It seems to me that with similar percentages, it sure is a lot easier to use the BP method. Vast majority of closures I am seeing are related to bank accounts and volume, or irregularity there of, deposits via MO. My current strategy:
1- WMBP various phone numbers with multiple billers under each phone number
2- multiple checking accounts with low volume, couple thousand, MO monthly
3- cycle the use of credit cards buying VGC from giftcardmall
4- never cycle or exceed my CL.
5-Pay a few money orders to each credit card directly at the branch

I'm hoping this works out for me over the long term