This is an excellent post.
What many of younger MSers may not realize is that adverse consequences of their behavior on a credit card may produce decades or even life-long consequences of that behavior.

This person did something that resulted in being banned by a bank. Now that bank is buying another bank that he/she has a credit card in use, and the consequences may be that this card, that they have used legitimately for decades, may be shuttered as well.

Some banks, such as Chase will let malefactors back in (although it is uncertain what their criteria is for such readmission), but it seems from several DPs that Cap1 and Amex are not so lenient..Just need to keep that in mind when MSing.