I use Simon and VGC's from my local grocery store, since I get 4x the pts on grocery store purchases w/ Amex Gold. I add about $3k of the gift cards to my GoBank card every month, which I use to pay my rent and withdraw the cash. The other VGC's I get money orders with. I probably do about $6-7k/month total in MS between my 2 credit cards, and of that about $3k I turn into money orders. So nothing extreme compared to others. I deposit the MO's into my online bank account, and use that account to pay off my Chase card. The online bank is completely separate from Chase. But I pay the credit card off a few days before my due date, and never cycle my credit limit. I also use the Chase card for other purchases and never get close to my limit.