Avoid or not avoid spending more than CL??
 

My question is about paying down new spend in the middle of the month so you can put more on the card before the next statement. I'm thinking 2x, 3x, 4x the credit limit per month. Does this risk getting shutdown or are the banks positive about it? Thanks for helpful responses.

depends on a lot of factors, which issuer, history, spending patterns etc... Either way it is risky but some people churn their CL many times over apparently.

Do whatever you're comfortable with, but realize there's a risk banks may shut you down if you go past their comfort levels.

its highly YMMV and has many many factors involved. You will have to decide what your risk tolerance is and how much you value the relationship with the particular cc issuer

Not a problem for me with AMEX
 

I got an AMEX Delta Platinum Business card last year with the goal of spending $25k to earn the 10k MQM I needed to get to Medallion status. AMEX set my limit low for this card ($4k) because I had four other AMEX cards at the time with a total limit North of $70k.

Anyway, my daughters college tuition of $7k came due shortly after I received the Delta Plat card. I was also doing some MS with the card, so I run the card up close to the limit and paid it off 3 or 4 times within the 1st month I had it.

I don't make a habit of the doing this every month, but I have charged 2x - 4x the credit limit in a month several times with AMEX with no adverse consequences.

Right, but in general the problem is that there aren't adverse consequences until suddenly there are.

So the consensus answer is that the banks aren't positive about spending more than the CL.

Your statement could be applied to almost any part of the MS game.

I play the game in moderation and try not to worry about bad things that might happen.

Not all issuers will increase your CL for repayments made midcycle as well, keep that in mind.

what bank is that? I don't think I have come across that before.

It also helps to split your MS between as many companies as you can that have cards with benefits worth it to you. I split high six figures a month between Citi, Amex, Chase and Barclays because they all have rewards/cash back that I want. Amex is good because they have multiple cards with NPSL that earn MR and if they do an FR as long as you didn't lie on your application about household income, they don't seem to really shut anyone down. I split my Amex MS between a Platinum, a PRG, an Everyday Preferred, an old Blue Cash and a SPG. Not a peep from Amex yet.

Did you even bother to search the forum? This must have been asked 1,000 times already. Everyone here has different experiences. Some spend 4X their CL and have not gotten shut down, some spend 1.5X and have gotten shut down, etc. Just do what makes you feel most comfortable.

Some care, some dont. Some people care, some dont. I dont care therefor I spend at least 5-10x my CL monthly.

That was really my point, an individual's previous success tells very little. It happened with the Citi 5x TYP, people trying to find a safe level ($5K a month, 50% of CL, 1.5 CL) with people posting their successes. Then Citi got aggressive and those stories were worth nothing.

So don't worry about bad things, but don't take others success as any reliable form of guidance.

Your doing ~900K a month? Six figures is $100K. High six figures is closer to $900K