PS - Also going to add this note - last summer we started construction on a new facility. Previous to that, I would religiously pay off the entire platinum card once a week. However, the facility costs added unexpected amounts to the card - rather than dip into company savings to pay off the new costs of construction, I simply carried a balance on the platinum (so we still paid the card once a week, but didn't pay off the full amount). So overall - the platinum went from carrying nothing on it, once a week, to now carrying anywhere from $25K or above, at all given times.

Make of it what you will - but that may have played a role?