Most likely I think is me using the card at my employed place of business. I’m pretty sure companies that offer rewards don’t like their services used at a place where the user has access to the financial side of things in anyway. Does not matter if the user never abuses such a relationship, the potential is enough for them to terminate an agreement. The SHADY part comes when you consider that PT should not have access to that information let alone make closures or account altering decisions based on such private data. This is the foundation of my most likely theory.