CSP: May I know what did your buy at XXX in XXX? You may decline to answer the question.
ME: Some luxury (visa gift card is a kind of luxury) at the mall, for business (MS) purchase.
CSP: No, no you can't use personal card to conduct business, it is not allowed!
ME: Sorry I have no idea about that.
CSP: Hold on (Music for a long time, definitely more than 10 m)
ME: Worried..
CSP: Since you have been a very good customer for more than 4 years, as a one time courtesy, we wouldn't bla bal... You are welcome to apply for .... However if you continue to doing business with your personal card, then all your accounts are subject to closure.