Originally Posted by Happy

First of all, I am not in the category of your definition of churners. But I am mindful of being inadvertently caught in the random fires of Chase' shoot first policy. Hence I read the DPs and make my list of things to avoid.

Besides, you cannot churn Chase cards anyway. So the "churner" concept does not really apply here.

I understand your argument on the CSR - that only works if you can always use the 1.5x travel booked thru UR portal. In reality personally I have found that is near impossible, especially if one has hotel status therefore booking direct is mandatory in order to enjoy the benefits that come with the statuses. Flights - only work for domestic coach fares. Everything else does not work for us. Would not risk forfeiting rental car CDW coverage to use UR pts versus use the CSR card itself. YMMV though.

Managing your CLs definitely should be one action you should take. $5K CL is too low for what you want to do because you dont want to use up the CL each billing cycle even you pay it in full before statement closes. If you have other business cards, you can reallocate CL to the Ink Cash cards.
Hardly used personal cards should not take up large CLs due to the issue of "exposure" to the banks. The old school of "higher CLs would only improve the utilization ratio" is outdated in the current environment when banks are looking more at their exposures than the card member's utilization ratio. Some banks actually would CUT the credit lines on cards that hardly used, or only used for smallish purchases now and then. The trend tends to put the emphasis to the UNSECURED credit line exposure, than monitoring the cardholder's overall utilization ratio. After all, the available credit line can promptly be used up in the case when the cardholder is in financial distress, even the cardholder usually has a very low utilization ratio.