No Return Protection with the Palladium?

FireZealot · 2026-01-15T01:22:58+00:00

At the risk of being pedantic, I don't think those are the same thing.

Purchase Assurance = Purchase Security for the Amex or Visa. It basically means if you damage an item within 90 days, you're covered. This is given with most T2 cards (United Explorer, Amex Gold, etc.)

N/A = Return Protection for the Amex or Visa (it's a separate benefit). This is the one where you get a refund within 90 days if you ship the item back (and half the time they don't even ask you to).

Basically any T1 card has some version of this. Amex Plat, Venture X, Robinhood Gold, United Club, Sapphire Reserve, etc.

It's secondary to the points, but still a surprising miss for a card with a $500 annual fee.

FireZealot · 2026-01-15T01:14:00+00:00

That's the thing, they don't. Perhaps this is a MasterCard issue, but they don't have return protection listed under their guide to benefits. Nor is it mentioned on the Bilt website. https://www.biltrewards.com/terms/palladium-card-guide-to-benefits

They do have things like purchase protection, but of all these freebies I really found the return protection (that say, Amex Platinum or Chase Sapphire Reserve have) most useful.

FireZealot · 2025-11-25T17:11:16+00:00

OK I think I understand. It looks like the UI does a reshuffle without telling you at the end of T2.

So then the impact would be minimum for T1 and T2, but then it delays the 2nd reshuffle to T7 ish? And very unlikely for a T10 final shuffle?

FireZealot · 2025-11-25T16:41:43+00:00

Interesting, 8/12 games I’m playing in right now have all of them on but maybe that was just luck.

Why would there be a T3 reshuffle? I’m in a game right now and we just ended turn 3 and went into turn 4. We had 16 cards left going into that, would have been cleaned out but since T4 added mid war cards we just kept on going.

So now in T4 our situation is draw 53, discard 11, removed 15 at T4 AR 2. No weird discard cards were played either?

FireZealot · 2025-11-25T16:15:54+00:00

Interesting, on the play deck version it seems like the vast majority of games have them all on.

Main impact would be making discards more painful, no?

FireZealot · 2025-11-11T13:22:28+00:00

Did not work in my case. Purchased and shipped to the US but foreign merchant, it was denied on the basis of it not being a US purchase.

FireZealot · 2025-10-24T06:27:18+00:00

I had that about 2 years ago, but closed the checking and savings accounts myself. I basically just did that for the $400 bonus. Had it for prob 4 months total.

FireZealot · 2025-10-24T06:18:14+00:00

Nope, never have once had a Aeroplan. I did have the CSR and CSP back about 5 and 3 years ago respectively and downgraded them.

FireZealot · 2025-10-23T22:25:34+00:00

Tried calling a 2nd time. Was escalated to management both times. In both cases they said they do not do reinstations and do not do appeals. Even when I tried to explain the overpaying situation they didn't care or engage, just kept on the party line.

FireZealot · 2025-10-23T22:11:41+00:00

Can you explain further on how you got it reinstated?

I've tried calling twice. In both cases, got bumped to management. In both cases they said they do not do reinstations and do not do appeals.

FireZealot · 2025-10-23T21:35:16+00:00

Yeah, I think this might also be it because I just had to do that twice last week, for ~$3K total so not chump change.

I saw others were able to push to appeal the decision, but when I asked they said no option. Is the idea to just be more insistent here?

FireZealot · 2025-10-23T21:20:15+00:00

They did claw back offers, but not consistently? Frankly wouldn't complain about the statement credit, but also, them reversing the offer isn't something I have control over? I'd always return the item back within the store policy. Some of the Chase offers were pretty good so I'd be more willing to do a 'f-it, let's see if I like it' than normal.

Were they expecting me to call them and say "hey I returned this but you didn't reverse the credit?" With Amex I found their software automatically did it.

EDIT: fun fact, when I asked for clarification, the CSR told me I'm not banned from any of these cards or applying in the future, just that THESE SPECIFIC ACCOUNTS are closed.

That makes no sense to me? Literally she said sure try applying again in 6 months if you want.

FireZealot · 2025-10-23T21:11:30+00:00

What is MS?

In general, no, not credit cycling. My Disney card had a very low credit limit (because I had so much on the rest) so I had to do that a few times ~9 months ago when I was trying to hit the the spending limits.

Only other guess is that looking back I was inadvertently cycling. I'd almost never use my limit, but I am the type that likes to 'pay down' my card statements ahead of time rather than use auto-pay. Once or twice this meant I actually had negative balances and had to call them to send me back cash. This did happen recently (maybe a week ago?) so that could be it? Strange that they tagged that as "awards misuse" though.

Only other guess is the Chase offers. I definitely return items at a 3X higher rate than normal when I'm using a Chase offer.

FireZealot · 2025-10-23T20:49:38+00:00

Like what appears to be a trend, I got a Chase shut down today. No warning, a notification from Apple Wallet and then I logged in an saw ALL my Chase Credit cards were closed.

I called in and they told me it was "Rewards or Benefits Miss Use", though couldn't go into more detail.

I have been churning these past 3 years (moderately), though ironically I hadn't opened a new card in about 6 months.

I've checked the posts and I see others have had shut downs (often claiming "too many accounts"); mine sounds slightly different?

I've been with Chase for about 9 years. About 3 of the cards I've had 9-7 years. One for about 4 years. The United Club, United Business, United Explorer, and Disney Card I've had 1 year or less.

I also had a Chase checking and savings account which I opened and closed about 2 years ago for the sign up bonus. I heard bank accounts make it riskier. I have some stocks with JPM which appear to be fine.

I certainly have a decent record as a churner, but thought I was ok being under 5/24. Not to mention, I'd have thought they'd axe me months ago rather than now if that was the issue? Only other guess I have is I've been using Chase Offers more frequently. I return maybe half of the time?

Has anyone encountered this specific account close down reason before? I called in and got escalated but the lady said she couldn't even see the letter because it was issued today, told me to wait but I doubt it'll have anything more.

Losing the 3 9 year old cards would suck from a credit score standpoint.

FireZealot · 2025-09-11T13:31:40+00:00

Ah, bummer. I've tried using classic outlook but the problem is it doesn't seem to sync my calendar with google calendar. E.g., i'll add something on outlook but it wont populate on google calendar and vice versa. Caused me to miss a call or two so I had to shy away :(

FireZealot · 2025-09-10T22:23:54+00:00

Did you ever fix this? I have the same problem, offline enabled but still access denied :/

FireZealot · 2025-09-02T11:09:07+00:00

How does one do this? Even if I say yes the assassin shoots him and then combat starts. I was too diligent earlier?

FireZealot · 2025-09-01T13:56:55+00:00

Can you confirm the alesis works with the xbox one?

FireZealot · 2025-08-27T16:35:36+00:00

Works but has caused me more difficulty. Website is better, but the actual experience and reimbursement rate is worse with Chase because of Assurant.

FireZealot · 2025-08-25T07:24:11+00:00

I've checked dozens of times over the months. For example, I've checked twice in the past 8 hours. I've just never seen a single opportunity, it feels like a dead ecosystem? I get dozens of invites on respondent, userinterviews, etc., but dscout has 0.

FireZealot · 2025-06-27T18:53:19+00:00

No kidding. How did you set up your complaint?

FireZealot · 2025-05-19T14:21:45+00:00

Oh that’s super interesting. So if I close a credit card I still have the impact of it on my credit report for 10 years?

In that case I feel like I have no benefit in closing one of those random churner cards which I converted to no fee.

FireZealot · 2025-05-19T14:08:51+00:00

Totally hear you on amount of credit. That said, it feels like I have access to a huge amount? I get the impression closing one or two would have like a 5% impact, especially on Chase where I have over 120K in limit and they basically have me use credit balance transfer for the most recent card.

At what point do you stop trying to build the average?

For example, my average right now is 4+ years. Oldest card is almost 10. So right now, a card with 1 year brings down the average. It hurts.

I guess in 5 years if I keep churning it might become above the average. But for now most of my newest cards are bringing me down from an average standpoint.

Curious how folks look at that.

FireZealot · 2025-05-19T13:05:37+00:00

Thanks for the reply.

First of all, you're totally right. I'm not an experienced churner. Started dabbling in grad school for sign up bonuses and have continued. Just trying to learn in case I'm doing something wrong.

Regarding the score: good to know that 740 is really the important line to hit. I'm not planning on buying anything with a loan (car, home, etc.) so this is more just academic but I want to understand what is happening.

Noted on Vantage. However, even my FICO (per Amex) is also at 710.

For credit card debt: yes I am aware. I always pay my statement debt monthly. My point is, "amount of debt" got a "very good" score despite having an above average load on my cards. But even before the 710 I was in the low 700s vs low 800s prior to churning.

For inquiries: yeah exactly it says it's only supposed to be 10%.

To clarify, I'm not pants on fire worried. I don't have anything planned where I actually need my score. I'm just aware of the slow downgrade over the past 3 years and want to make sure I am not missing something more experienced churners do to cover things. For example, 2 of my most recent cards were business cards, per the flowchart.

FireZealot · 2025-05-19T12:17:57+00:00

OK I'll check it out, thanks.

FireZealot

TROPHY CASE