@Eldolche wrote:
One last question, for real people, whats your opinion on "manufactured spending" i think thats what they call it? It seems really risky, but also seems exciting to earn free points, what are consequences and how does the credit card company find out?
The danger with MS is that the card issuer will close your card (and any others you have from them, even if you are not MSing on those). In the worst case, they can blacklist you, preventing you from getting another card with them for a long long time.
For this reason, I wouldn't MS in your situation, where you have relatively few cards at present, so the loss of one would be significant. Also, only certain cards are "good" for MS, on most the risks outweigh the rewards
