Optimization vs. Diversification - Which CC should I use?
Jul 1, 2014 | 7:23 am
#1
Original Poster
Join Date: May 2014
Posts: 466
Optimization vs. Diversification - Which CC should I use?
So, I've been thinking something over recently and would like some input -
Which is better - ALWAYS using the CC that gives you the maximum bonus in every situation, or diversifying your spend across several CC, even if sometimes you use a CC that doesn't give you the best possible bonus in that store?
What does everyone else do? What is your rationale?
Which is better - ALWAYS using the CC that gives you the maximum bonus in every situation, or diversifying your spend across several CC, even if sometimes you use a CC that doesn't give you the best possible bonus in that store?
What does everyone else do? What is your rationale?
Jul 1, 2014 | 7:39 am
#3
Original Poster
Join Date: May 2014
Posts: 466
Since this was moved out of the MS forum, I will specify that I was asking from an MS perspective -
Is it better to risk turning over CL multiple times a month to get the best bonus, or is it better to diversify the MS spend, even if you're not getting the best bonus possible?
Is it better to risk turning over CL multiple times a month to get the best bonus, or is it better to diversify the MS spend, even if you're not getting the best bonus possible?
Jul 1, 2014 | 7:43 am
#4
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Your government says diversity is good. Mix up that spending a bit so your pattern of spend is not too obvious. Remember - the nail that sticks up is the one that gets hit by the hammer. Trade off efficiency for stealth as the banks like to see "normal" spend. Make your normal look more like the normal they expect to see. 
So, I've been thinking something over recently and would like some input -
Which is better - ALWAYS using the CC that gives you the maximum bonus in every situation, or diversifying your spend across several CC, even if sometimes you use a CC that doesn't give you the best possible bonus in that store?
What does everyone else do? What is your rationale?
Which is better - ALWAYS using the CC that gives you the maximum bonus in every situation, or diversifying your spend across several CC, even if sometimes you use a CC that doesn't give you the best possible bonus in that store?
What does everyone else do? What is your rationale?