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I used to work for various banks a decade ago, handling various credit cards. Each bank has their own home-blend formula, and these formulas were and still are changing all the time, even on a monthly basis. You don't have to take my word for it, ask someone else who has been in the same position.
It is true that trying to avoid DINGS is a good rule-of-thumb to follow, but the penalties for this tends to be overly exaggerated to those on the outside. Dings are one smallest factors compared to the other variables used.