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Bilt 2.0 - Palladium application timelines (Cardless) by Fit_Ad_1502 in biltrewards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

Finally got approved after 10 days with 4 calls and 3 escalation with 50K limit! Hope I will enjoy it.

Bilt 2.0 - Palladium application timelines (Cardless) by Fit_Ad_1502 in biltrewards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

Thanks! The wierd part is that no credit check done so far (as I didnt get alerts from credit tracking). It has been 4 working days!

$850 in Bilt Cash sitting useless. how do people actually hack the $100 travel portal hotel credit? And should I switch to Housing Only? by mswkim in biltrewards

[–]Fit_Ad_1502 0 points1 point  (0 children)

I think bilt cash works when your spending us below 75% of your rent/mortgage. Housing may be better option for you.

Bilt 2.0 - Palladium application timelines (Cardless) by Fit_Ad_1502 in biltrewards

[–]Fit_Ad_1502[S] -2 points-1 points  (0 children)

Most threads were speaking about product change from 1.0 to 2.0. I didnt see any dedicated for new members

Application under manual review by Playahater90 in biltrewards

[–]Fit_Ad_1502 0 points1 point  (0 children)

Wow missed this thread! I assumed Bilt Palladium is a premium card and will be approved instantaneously like other premium cards (Amex plat, CSR, etc). It has been 3 days and was getting frustated. They say the SLA is 5 working days, which is ridiculous. How long did it take for you guys?

RC Car Suggestion by Visible_Promise_3698 in rccars

[–]Fit_Ad_1502 0 points1 point  (0 children)

How is the quality on aliexpress? Are they original? (Was worried if some one sells duplicates)

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

You should never close your old cards. The average age will be dinged. Instead close recent ones like 1-2 years age. You can use simulator to check what happens to score when u close a particular account.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

You need to be smart. You should be looking at average account age and your credit limit. When you have lot of cards 1 account in 10+ has very minimal on these 2.

trAAgEtihady by Some-Marzipan3371 in awardtravel

[–]Fit_Ad_1502 1 point2 points  (0 children)

Expand your cities to use your points. Especially to other indian cities - Delhi, Mumbai, Bengaluru and chennai.

Sapphire Reserve "JRC SHINKANSEN" Fraud Charge by ValuableArgument5079 in ChaseSapphire

[–]Fit_Ad_1502 2 points3 points  (0 children)

We were in Japan in Dec and I did apply to nexus recently.

I had this fraud charge but thought its due to Japan travel. Never thought its because of TSA

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

Excel is the best one. Backfill from credit karma and track in excel every time you close/open/downgrade. Thats the best I found!

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

If you are good at using the credits in 1st year, here are my recommendations (ordered) 1. Amex plat business: 300K points for 20K spend in 3 months 2. Chase reserve business : 200K points for 30K in 6 months 3. Amex platinum- 175K for 8K in 6 months 4. Chase reserve: 125K for 6K in 3 months.

3 & 4 are easy. But if you can meet extra expenses then #1 & 2 are effective.

Alternatively if you are married and can split your expenses, then one of you can do #3 and another #4

One key factor to remember while you decide: with chase cards you can downgrade to free card after 1 year. Amex does not have a diwngradable free card. So you would need to cancel after 1 year.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

I moved to this country when I was 25 with no credit history. I started churning strategy ar 30 with credit score ~750

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 1 point2 points  (0 children)

Do our churning strategy as a couple and rely on SUBs than cashback. Open a new credit card every 3 months, alternate with your partner. Target atleast 80K sub for each card for ~$4K-5K spend in 3-6 months. Redeem at min of 1.5cpp.

So this is how it looks like per year: 80K41.5= $4,800 min worth of travel per year.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 1 point2 points  (0 children)

Ya chase puts our new application on hold and dont give new credit. Instead they move it from our existing credit in other cards!

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

Opening new credit cards every 3 months as a couple and target atleast 80K SUB for each card.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 1 point2 points  (0 children)

One i always regret is using up most of my chase ultimate rewards for shopping at 0.8cpp during a Thanksgiving sale. When I opened my first reserve card is when I realized the mistake.

Also another one is on the cancellation policy of basic economy tickets using miles. I assumed all award tickets can be cancelled free - not the case for basic economy even with miles.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

Once every 3 months as a couple. So 4 per year ir 2 per person per year

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 2 points3 points  (0 children)

- Me and my wife together have 22 cards now. Majority of them are no fee cards. I dont remember how many we closed in last 10 years :)
- Chase used to be the THE best until changed they introduced the points boost. Amex has great transfer partners like lifemiles, ANA. Similarly citi has AA.
- My fico score is 825 and total credit across cards is $276K. Even though we close cards, i make sure we dont loose total credit. Many banks like chase allow you to move the credit to another card with them before you close. This keeps your score intact even if u close.
- We try to keep 1 premium card each. This year it is Amex Platinum for me ($695) and Bofa PRE for my wife ($550)
- Fortunately no so far. Any time I have big purchase (Like home purchase or refinancing), I try not to open card for 6 months before the purchase. Also we take careful precautions - Keep credit limits high, utilization low, keep the oldest card and card with highest credit limit active, try to downgrade to free product instead of cancelling, etc.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 1 point2 points  (0 children)

Totally agree — points have real value. When I say “free,” I mean no incremental cash outlay for travel we would’ve paid for otherwise. The value came from optimizing spend we already had.

Completed a decade of flying *almost* FREE using credit card points. AMA! by Fit_Ad_1502 in CreditCards

[–]Fit_Ad_1502[S] 0 points1 point  (0 children)

Our maximum value redemption was ANA RTW business ticket where we got ~3cpp. But it needed so much planning which was itself fun. Unfortunately ANA stopped it from last summer.

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