I'm 6/24 right now. I'll be 5/24 in mid-October, and 4/24 in mid-December. Presumably excellent credit, but I haven't checked. The biggest ding against me is my low income, but I've learned to be "creative" in how I calculate that.

I want to get the CSR, and I'm thinking the best strategy would be to apply immediately in the hope that 5/24 doesn't apply right away. If not, I can try again in November. The safest thing to do would be to wait until January, but then I'd lose on the chance to double-dip on the $300 airfare credit.

Any comments or observations about flaws in this plan would be appreciated. Thanks!