The acronyms are kind of getting out of hand here. What is NAF (Hilton)? Never mind this should make the acronyms clearer (from the survey):
Manufactured spending in bonus categories
Multiple pay-over-times
Self-referrals
Self-referrals clawed back
Financial reviewed
Reset spend limits (credit cycling)
Multiple of the same card (excluding plat flavors)
No AF Hilton Aspire
but, why would POT (pay over time) ever be a reason for Shutdown? Presumably Amex gets interest out of that.
Not using the POT (I think) but collecting the 10k (?) MR for signing up for POT several times.