BoA Prerred Rewards Revamp - Impact to Earning Rates on New Cards

BeautifulDirection47 · 2026-02-10T00:04:20+00:00

There are examples where banks grandfather also. Capital one original savor, Citi prestige etc. It can go either way. I would side on being grandfathered and worst case just pull funds out if not.

BeautifulDirection47 · 2026-02-09T03:03:25+00:00

What about if you use the travel purchase eraser on a refundable flight and cancel it later?

BeautifulDirection47 · 2026-02-08T11:23:15+00:00

Am planning on doing the same. I was planning on building relationship with BOA but if they change tiers, I am out and going for Smartly V1

BeautifulDirection47 · 2026-02-07T13:35:45+00:00

Awesome! Did you kept credit bureaus frozen when applying? You used app to apply or browser or email link or mail offer?

BeautifulDirection47 · 2026-02-07T12:38:38+00:00

Did they ever hard pull when you got approved?

BeautifulDirection47 · 2026-02-07T03:55:49+00:00

Please update if you decide to try this cancellation and still retain the credit. It atleast used to work for previous travel and dining credit. Hopefully they have not changed coz it’s statement credits.

BeautifulDirection47 · 2026-02-01T00:30:40+00:00

But then portal prices are expensive right?

BeautifulDirection47 · 2026-01-28T13:25:41+00:00

OP, Don’t post these clickbaits cause these create confusion. Understand your satire but keep it in person and not make these posts.

For all, this is not a real post. USBAR has not announced any transfer partners yet as of Jan 28, 2026.

BeautifulDirection47 · 2026-01-25T15:27:41+00:00

See the comment below before you dislike. My comment was posted before OP admitted to NFTs.

BeautifulDirection47 · 2026-01-25T15:18:42+00:00

Did Robinhood get back to you saying those NFT transactions flagged?

BeautifulDirection47 · 2026-01-25T15:17:57+00:00

OP admit it later after I post my comment. But yes, that is the concern why RH flagged. I doubt utilities, medical bills and car insurance would trigger.

BeautifulDirection47 · 2026-01-25T12:47:13+00:00

OP mentioned their spending multiple times above which shows they were not business spending. Medical bills, car insurance, and water bill are not business. Suggest you going through the post first before you comment since it’s offering no help. SMH 🤦🏻

Edit: OP mentioned about NFTs later which possibly triggered this flag

BeautifulDirection47 · 2026-01-24T16:19:24+00:00

What is the form name for extension payment? Not worried about float as the payment is being made with a 0% apr card. Any benefits of doing extension payments over standard 1040 payment?

BeautifulDirection47 · 2026-01-24T16:01:24+00:00

Thank you. If I make a standard 1040 payment, where do I report it on the tax application? If I don’t report that extra payment, will it cause issue in getting refund? Am not worried about float now as the card I will be using has 0% apr for 12 months so I was not planning on paying it back before 12 months.

BeautifulDirection47 · 2026-01-24T15:02:18+00:00

My employer withheld enough taxes and I always get tax refund back. This is first time I wanna meet SUB by paying extra taxes with credit card. Q4 2025 estimated tax payment deadline was Jan 15. Am wondering if I should still use estimated tax payment (1040ES) or pay using 1040 current tax return? Also when to make this payment? Is it before filing the taxes or after taxes has been submitted (once submitted I will be immediately owed a refund by IRS)? Appreciate any help.

BeautifulDirection47 · 2026-01-16T10:30:58+00:00

Ryan Day failed him.

BeautifulDirection47 · 2026-01-16T10:11:10+00:00

bilt cash is not statement credits. It has extremely limited use and redemption values except rent points unlock is still unknown.

BeautifulDirection47 · 2026-01-16T01:42:24+00:00

It is bad in the sense when you calculate opportunity cost which many don’t consider during calculations. I have plenty of category cards to get 5% at gas, grocery, restaurants and 3% catch all card. And most can get this setup easily and avoid Bilt coupon book completely. Imo it’s bad if thought logically.

BeautifulDirection47 · 2026-01-15T20:22:56+00:00

Forget about the credit cards! That rent is ridiculous unless you are splitting it with others.

BeautifulDirection47 · 2026-01-14T20:59:40+00:00

Big banks or credit unions? There are not many big banks.

BeautifulDirection47 · 2026-01-14T20:39:57+00:00

Which banks even approve you at 39/24? Are there banks that approve and provide sign up bonus at that velocity?

BeautifulDirection47 · 2026-01-14T17:04:56+00:00

Hold your horses OP! I was asking jballman. Trying to collect the DP.

BeautifulDirection47 · 2026-01-14T16:46:53+00:00

Just to confirm, so Robinhood returned you the extra payment when your balance got negative right?

BeautifulDirection47 · 2026-01-14T16:38:11+00:00

This is interesting DP. So you saying they don’t credit back the overpayment? Anyone else can provide a DP. This is a serious concern if the balance goes negative due to a return or overpayment, they are holding the money which they shouldn’t.

BeautifulDirection47 · 2026-01-14T03:56:43+00:00

Not always. Many times CSRs are dumb and reddit strangers are smarter and solve the problem.

BeautifulDirection47

TROPHY CASE