Originally Posted by
edb55
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...
What's missing in your observation is the total number of people engaged in each activity. If you look in archived shutdown threads from several years ago, you'll see that the vast majority of shutdowns correlated with WMBP use. That message was clearly received, and the number of WMBP users is likely miniscule by now. Thus it would be incorrect to infer comparable risk between MO deposits and WMBP use in 2019.