You can eliminate credit score swings by never generating a credit card statement with a balance. You can do this by paying your card off prior to the statement

You can eliminate credit score swings by never generating a credit card statement with a balance. You can do this by paying your card off prior to the statement date. I spend between $1000-$2000 on credit cards a month and collectively I generate statements with less than $10 spread across 4 cards. My credit score is rock solid from month to month. If you have six figures of liquid assets (what 0.1% debt vs liquid assets implies) this should be no problem at all.