[prekrasnoyemirai]

It depends on the bank and its rules, like some banks see refunding as illegal activity and highly aware of it. Even if something happens, you first you should get a warning, that's what I got and then I had to promise the bank I would not do that activity again and not abuse their system.

You got a warning for only refunds? How many were you doing ?

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Will banks close your account for having too many purchase reversals?

Use multiple accounts to spread out them out

I was thinking of using VISA gift cards or something similar.