I have no plans to BTD but I could.
In the last year I've added 3 new credit cards to my wallet. Before that I had the Fidelity Visa and the Costco Visa, using the latter for gas, restaurants and travel. Then I played the sign-on bonus game and got an AA Executive MasterCard (also includes lounge access, free seat selection and checked bags although I get the latter two as Gold anyway) and a fee-free Hilton Amex. I charged enough on the two new ones to get the sign-on bonus and now use them only for those brands.
And then Hilton told me I'd drop to Silver on 3/31 (from Diamond, which I'd had after a promotion during COVID). I just got a different Hilton Amex that carries Gold status, with a $150 annual fee and another sign-on bonus. This is a big deal because I'm taking the family to Chicago in early March, have reserved 2 rooms for 2 nights and the meal credits alone will be worth close to $150.
The BTD part: I now have credit limits of $121,500 over 5 credit cards. This is madness. I've reported income on the applications of $100K/year. I do have a stellar credit score and my only other debt is $47,000 on my mortgage.
I suppose they all figure I'm a good risk and maybe I'll use their particular card for all my purchases but I can see why banks get into trouble with bad credit card debt.
So.... should I buy a Maserati or a bass boat?