Originally Posted by bklgafly

I apologize. I am actually not 100% clear on what is churning which is why I am trying to fully explain my usage so it is better understood.

I will start closing non functioning cards and move around cl. I wanted to apply my wife to an ink cash as well but I made the mistake of adding her as an authorized user when I applied for mine.. which might have added to her 5/24 count. Should I not be concerned?

Is buying e gift card better in my situation? (trying to signal to chase that I do not MS these and do use them at merchant)

The only physical gc I buy at the store is amazon... Our day to day spend is like 70-80% amazon haha.... so I do spend a nice amount there. Some of the renovation expense will go there as well as they have great pricing on materials as well.

Any other good ideas on how to reduce the risk?