-1. Pure speculation. No one has ever been shut down for "not using the card as intended". There are no valid reports. period. Pretty much everyone on the boards have been doing that since November 2014 with no issues. Please specify when you are speculating based on your own thinking and when you are actually basing it on real facts.
I hope it doesn't sound condescending, but this thread would benefit from a more mature tone. For instance, you can agree or disagree with someone, but don't bark at them, like you're doing at my comment.
Firstly, I didn't say anywhere "not using as intended" much less in quotations.
Secondly, I didn't say whether anyone has or hasn't been shut down, I didn't present my comment as a certified document. MS is not chemical experiments, so not every advise people give is based on exact formulas that can be reproduced in labs.
Thirdly, there have been a couple of credible reports (as far as I am concerned) of shut downs, on other forums, and while no one knows for sure what the reason was (Amex didn't tell them) from asking what they had done recently, the thing they both had in common was withdrawing money to their checking account.