SenorGas is way ahead of you already, and he doesn't spend any time here. Wisdom in that. If you want public information there's a data point thread every week, go get to work. The evidence is pretty clear, because people overshare when they get approved. On the other hand "possible shutdowns", "permanent “pop-up jail”, "repetitive declines", "lower credit scores due to multiple inquiries" are all vague and multi-factorial and unprovable, and the banks themselves are the true arbiters and they're also not talking to you, so I'm not surprised you have no response to my request. I've been waiting 7 years for someone to show me a new shutdown dp for doing MS on the USB AR. I can wait.

But if you can't even fathom how someone could get 3 AA cards, today, I can't help you. Soon it's only going to be 2. If OP ever comes back to this thread, I hope he jumps on it soon.