Thanks for the info. Sounds like I have a conundrum then. I have a small stash of 38K points, but I can just transfer those to my wife who has a CSP. But I don' have any other Chase credit cards. So the only way to transfer my credit limit would be to apply for another Chase card which would put me at the 5/24. I guess that is the best route and just wait for it to go under 5/24 again. Thanks!