Just for the record, I made a single large charge prior to statement closure. I have made no more charges to the card, large or small, following statement closure.
If they are treating me with “caution” it is being done with no notification whatsoever. They promise, for purchases, two points per dollar spent. They have not so far honored that promise. And they have not explained why they violated their own policy. Apparently they feel such violation is their prerogative with no warning or explanation.
By the way I know based on considerable experience, had I used any one of several other cards I own for that same large purchase, I would by now have collected a nice reward. The purchase did not violate terms and conditions commonplace with all USA cards.
However, as I mentioned to you prior, my large purchase DID cross the line established by the Singapore list of concerning MCCs (merchant category codes). If NFCU Flagship is operating beneath Singapore rules they have not so advised me, their cardholder.
ETA
I apologize to anyone who might not understand my reference above to Singapore and to Singapore rules. It is regarding an older thread here on this forum. Here is a link to that thread: