Originally Posted by
Dr Jabadski
Agreed. But when one’s risk tolerance is significantly lower than average, perhaps 2 standard deviations, they shouldn’t try to impose that risk tolerance on other people without explaining that it’s an incredibly low risk approach. If one cannot stand the heat, they should most definitely get out of the kitchen, but they shouldn’t also try to get everyone else out.
Originally Posted by
northinsouth
It's hard to convey tone in writing, so I mean this question very neutrally: would you say the OP's approach is mod risk, high risk, etc.? Can you explain a little bit why you'd give this assessment?
As I said upthread, I've never intentionally churned anything in my life, and I'm completely ignorant on this issue. But it does seem like there is a lot of folks throwing caution here, but I'd like to hear the other side.
No, I've done the research, I'm not doing it again just to write an assessment for you. You can feel free to read up and get the facts for yourself, or not. But I'm certainly not doing it for you. I'm not doing your research for you, if you can't be bothered to type "Chase shutowns" into your favorite search engine then you’re on your own.
Yes, of course I’m kidding, that paragraph is rude and disrespectful. The entire reason for participation here is to share information and opinions, especially with those who have
the wrong 
opposing opinions.
OP’s approach, which AFAICT is like mine, is moderate risk. Factors tending toward high risk are application frequency and “MS to meet minimum spend”. Amount of MS could tip it to high risk, I do zero MS and tax payments instead (prn* to meet spend requirements).
A myriad of credible reports clearly indicate that MS is the primary most significant main risk factor for shutdown, for all banks and issuers. There are questionable occasional anecdotal unsubstantiated reports indicating other risk factors: high application velocity and applying for biz cards without a real biz.
Chase application guidelines are frequently described and OP does not appear to be exceeding them: 5/24, 2 personal cards or one personal and one biz card q* 30 (some say 90) days, bonus (same card) q 24 months, 1 Sapphire card at a time, Sapphire bonus q 48 months.
“Churning” is relative and different today from various time periods in the past. Each of us has a different assessment of churning. Some people are so afraid of their own shadow that they too rarely apply for a credit card and they’re leaving almost everything on the table.
(* “prn” = in the circumstances, as the circumstance arises, as needed, as necessary (from Latin pro re nata) prn pain = as needed for pain)
(* “q” = each, every (from Latin quaque) q6h = every 6 hours)
Originally Posted by
Globalist on points
… I don't think at check-in they see my reservation history.
Disagree, they can see a good part of one’s history. At check-in I’ve occasionally asked which room I was in the last time at the property, they can see that in a few seconds even if it’s been years. Often times greeted with “welcome back”.
Originally Posted by
Globalist on points
I often wonder if they treat me different than people that pay cash. I've almost always been treated fantastic at all Hyatts, but I would expect that regardless of how I was booking. ...
Agree about (usually) fantastic treatment, don’t wonder about different treatment based on different rates. It’s a strong testament to Hyatt that they treat (almost) all stays the same, regardless of $ or $$$ or award. I’ve been very fortunate as to often take advantage of Hyatt’s recent incredibly generous HealthCare Friends and Family rate which is sometimes 1/3 the member or rack or corporate rate. (Several ski resort Hyatt stays this past winter at $129 or $139 vice $350, GH Washington DC 2 different rooms at peak Cherry Blossoms a month ago $129 vice $350, several different properties at $109 vice $160-$300, no problem applying SUA to HealthCare rate.) Not once has an agent said anything and not once did I get the idea that they were treating me differently because of a very very low rate or an award.