Originally Posted by
xooz
I didn't miss the 1.87%....I am just saying that I would be ok paying the cost difference that generates to avoid the hassle and credit risk of MS. But I would only consider it to get Globalist, not to get a milestone bonus.
Originally Posted by
ElevatorEnthusiast
Frankly, while I realize that having thousands of dollars in taxes isn't that much of a brag (it's definitely no "I'm looking to buy a second home at the St. Regis"), I'm still risk-averse enough to avoid any sorts of MS or massive credit utilization for fear of shutdowns. But, perhaps, that just makes me a sucker...
Also, I definitely knew avogadro didn't mean 30 cents per point, but it was too good of a typo to pass up.
It’s the same utilization whether you’re spending on MS or IRS as I said in my original post I wouldn’t recommend either, but if you’re desperate to spend your way to earn nights MS is the better route. Chase doesn’t care which you do as both code as miscellaneous spend.
MS is a very intensive process, some like it (as they’ve posted here) others don’t. It’s a tool to use, but as someone who’s done it multiple times a week for months even I wouldn’t do it again,with that said it’s still better than wasting the fees to the IRS especially if you only need to do 25k, I needed to do 125k which is a massive difference.