What's the conventional wisdom these days with Ink cooldown periods? I was planning on sticking to every 6 months going forward (with P2 offset), but recently saw that the refer-a-friend bonus is going away in the fall. I'm probably overreacting, but thinking about applying on a more frequent basis in case this is a sign that it will be harder/impossible to churn Inks in the future.

Currently have 3 open biz cards - most recent being a United Biz (opened Apr'25), and a CIP the most recent Ink (opened Jul'24).