"To me, if I as a banker had someone with an income of say $200K who was spending >$300K a year on one card, it wouldn't take a mathematical genius to figure out that you are a patron we don't want (just based on credit risk)."

?? MSers are the BEST clients you could have if you're concerned about 'credit risk'. They pay early and in full 👍 Now, if you're concerned about profitability, that's another matter 😉