Make every point pull its weight.
Cards, balances, and monthly spending stay in one profile while each management task remains clear.
Choose a task. A zero balance stays tracked; removing a program takes it out of your wallet.
Set a spent balance to 0 and keep tracking it. Remove a program only when you no longer want it in Wallet, Strategy, or Holdings.
Remove cards you no longer hold. Only removing the last earning card can remove its bank-points row.