Just seems completely unnecessary to do to try and keep an arbitrary number. Just keep it on auto pay, full balance, and if you start to feel uncomfortable with the balance getting high, just manually push a payment and on the payment date it’ll just pay the difference.

You won’t win the chargeback, you accepted the terms and conditions when you booked. Which is why often times hotels will have an option that’s a few bucks more expensive with an option to cancel within 24 hours. Your booking that room was one less room they could’ve sold.