We posted a warning not to buy gift cards with the US Bank Altitude card since it could trigger shut down on all your US Bank credit cards. From numerous reports it seems the issue is not limited to the Altitude card, but all US Bank cards are prone to getting review for gift card purchases.
In the past, MSing on US Bank cards wasn’t much of an issue, as I understand. But this new RAT team is apparently on the lookout for gift card activity on any card. Good chance they created/beefed-up the team due to the Altitude roll-out, and as collateral damage we need to be careful on all US Bank cards.
It’s a good idea to keep your US Bank cards purchases looking normal. The issue seems limited to gift cards as other forms of MS are harder to detect.