Riiiiiiight...

But this is the MS forum, not the legitimate spend forum.

I've talked to a lot of WAG cashiers. Nobody except us buys these things. If you don't understand what I was saying than you have no idea how to use these PP thingies...

Yup...I can vouch for that. No one buys them. I've only seen one guy buying this and i knew he was MSing too lol.

I'm not sure what your WAG cashiers meant by "us" but WAG cashiers where I buy them don't find it unusual since lots of people buy stuff on ebay and use paypal. with 'ole blue eyes on most accounts, I'm buying less PPMCs now hoping the seige ends.

If you value your PP account I'd stop period as this is a shot across your bow. PP is more than happy to close down all your accounts for any reason and sit on your money for months. If you don't care about your PP account then my suggestion would be to change your behavior in some way, minimize what you have in the account at any one time and keep going. I got the warning email as well yesterday and I'll just shift to other stuff as I don't want to lose my PP account. Also I wouldn't leverage other folks' accounts unless you don't mind getting them closed either. While my wife is perfectly happy to let me use her for MS I have NEVER touched her PP account because she uses it too much and would kill me if I got it closed.

Sorry double post.

Agreed. This is a marathon.

Thx for this. We don't use our PP accounts for anything except MS, so...I will take your advice and change our behavior on it and minimize what we have in our accounts. That's what I was thinking of doing anyway, but your comments just confirmed this. Thanks again!

Since the requirement is 20K *AND* 200 transactions, I doubt you will ever hear that, because there is a limit to the number you can load each month. Unless of course, people are buying cards at like $50 or something stupid like that.... That said Ive easily gone over the requirement using friends and family transfers last year and did not get anything from paypal.

Well what they mean is that nobody buys these cards except "me". Or at least not in such regularity.

Received the warning email as well. I didn't even load the max this month (although did the last 3 months). I've also started using the debit card for a bit of daily spend as I was targeted for 2% cash back and was hoping it would help to avoid this email. I also use my PayPal account to pay for online transactions about once a week and never withdraw balance to bank account. My primary method of draining the account is Bluebird loads at Kate (risky/not intended use I know) with debit card.

I agree with the speculation that PayPal sends these when they deem you unprofitable, see large withdrawals coming from the account, or any Bluebird/Serve debit load.

My question is:

1) Has anyone emailed PayPal back/is it worth it? $2500 of monthly spend at WalMart seems justifiable but who knows if their getting detailed receipts and can tell it's Bluebird. It says in the email "MyCash is intended for retail purchases"- which WalMart should pass as.

2) How hard is it to open a new account?

3) Has anyone with a single PayPal account been shutdown for maxing out the loads each month and liquidating via PayPal Debit Card? I can't seem to find any reports of this. Seems shutdowns have occurred because of multiple accounts, sending money to other accounts to avoid limits, withdrawing straight to bank account, etc.

Ultimately, I think I'm going to stop the PayPal loads for a few months and see if that helps. $4000 can be MS elsewhere just as easy without risking the closure of my account.

How much have you loaded to your PayPal account via MyCash this month? (Dec)

$2000 this month. $1000 of which I loaded at Kate to BB.

Debit loading bb at wm, either kate or mc, is likely the trigger, IMO. At the very least PP can see that it is a debit transaction at wm. I have been sticking to $2k per month loads with bb online loads spread out over the month, some cheap everyday spend, and the rest in mo or buxx load. I try to mix it up and keep a decent balance most of the time. No problems.

Thanks. do you normally load this quickly in the past months? Just wondering if the velocity of load triggered a manual review.