Mucho thanks for the advice guys.

I was just about to (literally) send a $1mil wire transfer as a pre-payment. I think I'll belay that action because that would obviously trigger me being 86ed. My biz is in a unique situation in that we get paid by our customer before we need to pay our suppliers so it results in having up to a million dollars in the biz account and a correspondingly large amount of payments we need to make. We get very little or not margin from the transaction but it's an awful lot of flow through.

Instead I'll do as you all suggest, make interim payments and focus on getting higher CC limits.

Right now I don't have any status on any frequent flyer programs so that's what I need to get smarter about. I've heard that with the right status I can get lifetime upgrades and that's what I really need. I love flying biz or 1st class.