Or, pay for the premium feature ( $5.95/month ) and allow them to make some money too.

yeah guys if you want this to work load it up with $500 a month in cash and use that at mcdonalds every day to buy your morning coffee (50c fee), bigmac lunch (50c fee) and chicken nuggets dinner (50c). you won't get shutdown

Make sure you get the cash from a payday lender too.

Maybe not....but your body will shut down.

^

I have pondered with the idea of paying the premium fee, but I'm still going strong after 8 months.. Maybe buying a pack of gum here and there at a gas station would do it... :)

the reason I posted about my shut down experience was to inform the FT community that some of the presumed ideas about MVD survival are false. It was presumed that avoiding CAs would help, and that adding in regular spend charges would help. Some presumed that avoiding rapid max loads and unloads would help. I adhered to all of those concepts...and I lasted a long time...but I'm here to tell you that, once you get on their radar for MS levels of loads and unloads, your other fee generating purchases will not save you from shut down.

Sure, if you load small enough amounts, and then do a bunch of charges on the card, you won't get shut down. But that's not manufactured spend....that's regular spend my friend. That's no different than just using your regular points earning credit card, except for the additional half dollar per charge fee they suck out of you.

I agree with ma91pmh...small charges are a waste of energy and a huge waste of time. Such charges...when combined with smaller, slower loads/unloads...May help you last longer before they catch you. But then again...will you have generated a larger net amount of MS than the guy who just went big and heavy and got shut down sooner?

I believe they changed their radar scopes in '14 from what they allowed in '13 and before that. What worked in '13 probably wont in '14 Seems they have set a total amount to Red Flag an acct if ones Loads or Unloads exceed that set amount. Also it seems they relooked at ones '13 #s and if they exceed the new set limits they will shut you down

Well here's my experience.

I'm very inexperienced in the MS arena but I have been a NS customer for many years. For many years I would call my family to load cash at a retail location into my NS card.. and almost simultaneously I would ATM withdraw from the account half way across the world. Load $500 withdraw $500. Load $1000 withdraw $1000.

Never had any issue whatsoever.

I believe the issue here isn't what you choose to do but the approach you take.

If you are thinking that buying big macs and allowing business entities to charge you $.50 in fees is the solution to accout closures I think you've mistaken and perhaps misdirected in the point I'm attempting to make.

But let me DD with my personal testings and I can share at a later time.

The idea isn't to pay fees when you don't make a profit.. but to pay $10 so you can make $100. So the issue here is do u want to make $100 and pay $10 in fees or keep 100% of $100 while taking the risks of random closures?

Interesting idea. Makes a lot of sense. I wish I knew what their trigger was if its total monthly load/unload. I rarely went over $4k in a month on any one card. This past month I did $5k. I was speculating that got shut down for loading the daily max of $2500. Bit now I'm wondering if what you are saying is more accurate, and I got shut down for doing $5k or greater in a month.

Good theory. I'm still going strong with no issues.

Most of '13 are gone/closed, the remaining of the '13 will be closed in '14.

Over the past several months Ive been using 3 MVDs for heavy MS... finally got into "spend down mode" today. Honestly its kind of a relief, because all those CAs take time and energy

Just to confirm, you can still do CA in spend down mode right?

Yes, and that's about all you can do! :)

Not true I did MOs for 2 of my MVDs that were in a family members name . Obvioulsy I couldnt do CAs since well for 1 the name on the MVD is a womans name and Im no woman. No problem going to Wally and wiping the MVDs clean

Sorry, I consider them one in the same, but I should've been more specific.

Cash advance via bank or MO. ;)