I would probably double your MS spend, the letter they sent you is probably a fake....LOL ch@se sent you a letter and bulleted the exact thing you are doing that is against their terms. It's like a police officer who has caught you speeding and is telling you he is setting up to clock you again and the next time you'll get a ticket and you are asking if you should continue to speed??? You got an incredible do over. Be glad they didn't shut you down, strip you of your points, and discontinue your relationship with them, all over MSing on a 1.5% UR card???? Wow.