ncosky290 wrote:Your not loosing anything... It is a choice...
With all the 0% APR offers out there - WalMart, Bill Me Later, opening a new card - if you're putting large purchases on a card and not paying it in full there is no doubt you are "Losing." You may choose to owe more money on a purchase than it cost but in the accounting book that means you're in the red. If that's how you wish to run your books, your loss.
Regarding the "home improvement" category not being useful to you: So what? The card doesn't cost you anything and keeping it open increases your total CL and AAoA. Even if you only find it useful for one quarter a year, it's still worthwhile, as it earns more than twice as many points as the CSP. You can also buy all sorts of non-home improvement things at Lowe's: sodas and candy, magazines, cleaning products.
I'm not aiming to be high and mighty here but when you post saying that proven strategies and advice for earning points/CB are "wrong" or "not for everyone" it muddies the waters for those new to the churn.