I'm curious if anyone else implements this method. A year or so ago I had unavoidable expenses that I had to place on my credit card to the tune of several thousand dollars and have been trying to slowly pay them down over the time since. In Oct I got a BlueBird card (and one for my girlfriend) and with the help of VRs I immediately started charging one credit card and paying off the other between statements. By doing this I have been able to artificially pay off that several thousand each month by moving it back and forth between the cards. In essence instead of paying $50-80 in interest I am paying this amount in VRs and getting points for it. Eventually I will get to a point where everything is paid but in the mean time it is great avoiding interest charges and getting points at the same time!! Obviously this works best if there is 2 weeks or so between statements.