FlyerTalk Forums - View Single Post - Which card(s) to use for high spend or large purchases? [Consolidated]
Old Sep 6, 2016 | 6:24 pm
  #186  
paperwastage
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careful about doing business spend on a consumer credit card... the company might not like it

As it is, I'm hitting the limit every month, paying it off, and then hitting the limit again. So much for diversifying spend!
especially that... cycling your limit is bad. easy to get on bank's radar for a manual review (and possible shutdown)
I really won't want to be blacklisted by chase.... or amex. blacklisted on citi, not as bad

I wouldn't worry much about credit score unless you want a loan (car/housing/... )soon... then you should minimize utilization (put spend on actual business cards not reported to credit agencies)

you probably earn points quickly enough to be able to redeem... but have you given though on focusing spend/redemption on a specific airline/hotel for status?
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