People should get rid of the outdated concept of minimizing HPs.

In 2017 it is risky with BofA, Chase (which now has a new dept to manually review accounts), never works with Citi and IIRC, Barclays as well.

HPs has much less impact since 2015 due to Chase implements 5/24 and Citi changed to 24 months cycle that is more restrictive than Chase. The issuers evolve so as the players need to do the same, i.e. learn the new reality.