I got shutdown on Serve in 2016 after using it with Kate for only about 12 GC deposits and 3 CC payoffs over 3 months. Not sure if anything I did there was high risk?

I just got a BB card for my P2 and was able to deposit a $1000 Simon GC on it at Walmart at the Self-check-out Monitor's kiosk. Easy Peasy. No ID or anything.

My question is, what is the best way and timing to drawdown the BB balance to avoid shutdown on P2's BB account?