Pushback....more importantly which card do you use for your everyday spending? Assume you use your US card for US purchases, SPG for SPG, etc but what about trips to the supermarket?

Also:


That may be fine but it's still a big drop! If I recall correctly, going below 740 is enough to raise your interest rate for things like car loans, mortgages, or refinancing. If you went from say above 780 to below 740 that could be an even greater penalty.

Please note...not knocking you and you've clearly figured out how to maximize your free rewards but others who take a less methodic approach or copy you could really get hit with lower scores.