Thanks for everyone's responses. It'll be my business if I find someone who can spend, and if I consider them reliable. Maybe I would find a small business owner, whose identity I can confirm. Did it hurt to post the question? It's not like I posted pictures of the card and my billing address. Slow down.
I also asked for tips, not just someone who can spend.
The total profit if I can avoid the costs of spending for the entire bonus (200,000 points) would be around $3k. It's worth it for me. It's even worth it for me to just paypal it and pay 3%, but why not try this first.
So I guess I'll ask again, do any of you have any POSITIVE and HELPFUL information to share, or do you just want to try (unsuccessfully) to make me feel like an idiot for my post?
The number 1 sign of a business is having trouble is when they need your credit card to swipe, rather than using their own and generate points themselves.
There's always a reason why they can't get credit or why they've been banned from credit lenders.