The auto loan was approved. I churned 4 of those cards from 2017 to the present. I started MS on my second latest one in august 2018 cycling the card twice for three months after which I would MS ABOUT 10-12K per month which went on until about may this year. Beginning in March I got a second card of the same kind and would divide the same amount of MS across the two accounts. After that I only did as needed to cover travel purchases which amounted to about 10k over 2 months. A "Sr Account Manager who monitors account activity" left a couple voicemails saying he had some questions for me. That's what prompted me to close the accounts. The MS was online from simon the first couple months then just GCM.