Why do folks unload immediately? Mind you I've not had the card for as long as many, but even when it came to other techniques, I always waited until the end of the month to unload anyway. Part of it was convenience - mortgage and car payment are due first of the month - but part of it just seemed to make sense. I figured Amex would probably want to have the float for just a little longer than 24 hours. I've tried to frontload the loading, and then billpay what I haven't spent toward the end of the month.

I do load 500/1000 at a time, but I don't immediately take it out. I've also avoided doing the 1000/500/1000 in a day technique, although I did once do back to back 1000 swipes. I also do some shopping at Target each time I go and use the card for that - not huge in the grand scheme, but it is, you know, a Target card and they might prefer you use it for its intended purpose every once in a while.