What's your biggest challenge managing multiple cards right now?

Curious where everyone's at with this. Once you start stacking cards the management side gets real. Statement dates, utilization across accounts, keeping track of which card to use where, making sure you're not missing payments.

For me it was always the statement date timing. Took me a while to realize how much that impacts your utilization reporting and ultimately your score. Once I started calibrating around that everything clicked. But getting there was definitely trial and error.

So what's the thing that trips you up the most? Is it tracking spend across cards? Keeping utilization optimized? Knowing when to apply for the next one? Something else entirely?

Would love to hear what's working and what's not. This is exactly the kind of stuff we should be helping each other figure out.