That is one thing I have noticed... I try to get those manufactured spends off my credit card balance before I know my credit will be ran/checked. I use a spreadsheet to track my VRs/GC/PP etc... I also only use 1 or 2 cards on a regular basis for those purchases unless I have a new spend requirement to hit... then I switch it all over to those until I have met them. It CAN and IS confusing sometimes but that's where being organized can help.