[redblacktree]

I wasn't aware that this was a bad thing. I have a couple of "business" credit cards that I use to segregate purchases for some sole proprietorships that I run. (as well as for the rewards, of course) There are occasionally months where I need to spend beyond the credit limit, and I pay the card early in order to do so. I had no inkling that this could be considered a problem.

[landemva]

It's about the bank knowing their customer and appropriate limits for the customer income. If you cycle $50k in a month on a $10k credit line, and your credit application had your income at $80k/year, the bank may look into it.

[redblacktree]

Ah, ok. The numbers are nowhere near that close. If anyone looked more closely, I think they'd see the spending as legitimate. I did some research after you mentioned the term, and "credit cycling" is different from my scenario, I think. There is an element of intentionality to it, ala /r/churning.