NO, NO, NO.
The key hither is nix balances. Having a gravid mention bound and not victimization (maxing them out) shows that you live how to use cite.
If your aggregate pipeline of reference is 5,000 on one lineup and you use it to the max apiece month, but pay it off apiece month, hurts you since you are victimisation 100% of your usable cite.
If you bear 5 cards with $2,000 apiece and but use 1/2 the uncommitted citation on apiece,, this is improve.
You should use apiece carte, apiece month and NOT mission more so 30% of the mention boundary. And so pay it off apiece month.
NOTE: yes, your mention account bequeath cliff if you spread to many accounts in a spa of clip.
