Need help deciding whether to use all of cr/ncr now or save them for 3/4 year

My plans rn looks like this. If I'm really failing CHM courses, I can cr/ncr and take another chm for completion requirements in my 3/4 year.

For the summer, I've already decided on cr/ncr ing ISP. For ITA235, I'll prob get around 3-3.3 or 3.7 (if I do good on the final project). For the second sub session, I have no idea how I'll do in ENG100 and ITA but prob around the same 3-3.7 range.

I could save cr/ncr for fourth year and use them for 1.5 credit worth of courses once I decide I'm not doing grad school and have the best year ever.

Another thing is that my GPA in upper years might be worse than what I'll get in my summer courses. (Current cGPA: 3.83)

Any advice on how to use cr/ncr?

https://preview.redd.it/tejnps10fq5h1.png?width=1932&format=png&auto=webp&s=4b4bfabadf18f9435fe65d2c7ae69402deb356d9