Originally Posted by
Rossir
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?
Your CL is in relation to your stated income, the ratio is their proprietary formula. So your income factor is indirectly included in CL. U can make as complex as U want but there is always point of diminishing return.