In general, the CLs on my cards afford a healthy amount of MS. I pay them down repeatedly intra-month and never close with a 10% balance to CL. I also can float a fair amount of spend if need be.

I have several convenient sources of MS vehicles, and several avenues to offload, rinse, repeat.

I am still gearing up, though I can triple what I already do with no great increase in time or effort. But I want to be thorough about his. Besides risking the FR on an Amex card, does the level of GC, VR, or similar vehicle spend relative to income matter?