Oh god, this is going to be such a pain in the ass, i can see it now, it will be the same as my credit card company who randomly cuts off my account of i decide to spend more than my monthly average for Christmas shopping. I usually spend about $75.00 per month on my credit card to maintain a revolving credit account, then when Christmas comes along, i usually spend upward of about $750.00 for that month and they shut off my account! It's Christmas!!! people shop that time of year!!!