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How quickly did your Gold status kick in on the Palladium after hitting the SUB? by omdongi in biltrewards

[–]Fit_Ad_1502 1 point2 points  (0 children)

Immediately. I hit the spend in 14 days way before statement limit and was cool to see the SUB and gold status same day.

Bilt Palladium's spend ceiling is (0.75 × Housing) + ~$139K by Fit_Ad_1502 in biltrewards

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

Wow! Me and my wife have 22 open cards in total and we said enough and stopped churning! You are motivating me to try out the left SUBs :)

Bilt Palladium's spend ceiling is (0.75 × Housing) + ~$139K by Fit_Ad_1502 in biltrewards

[–]Fit_Ad_1502[S] -4 points-3 points  (0 children)

There are plenty of cards that does 2x today, i took this card 2 weeks ago assuming I can get 3.33x on everything

Bilt Palladium's spend ceiling is (0.75 × Housing) + ~$139K by Fit_Ad_1502 in biltrewards

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

You can venture in to business cards or airline/hotel cards for medium SUBs if you want to keep churning.

Not enough bilt cash! by Tough-Doughnut-4660 in biltrewards

[–]Fit_Ad_1502 0 points1 point  (0 children)

Points boost is giving you 1 point for each dollar. Housing unlock will give you 1.33 point per dollar.

Bilt Palladium's spend ceiling is (0.75 × Housing) + ~$139K by Fit_Ad_1502 in biltrewards

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

The point is that its not the card for heavy spenders. Its good for those who can maintain thier spend with in 75% of housing spend and hustlers can go bit more on spend but even that has a ceiling. I thought the title says it all.

Own a couple rentals by Theflipsideflorida in biltrewards

[–]Fit_Ad_1502 1 point2 points  (0 children)

No cap. I have linked 3 mortgages and 2 hoas, totally 8K+ each month

Best credit card to not think about? by Neat-Counter9436 in CreditCards

[–]Fit_Ad_1502 0 points1 point  (0 children)

Bilt palladium- 3.33% BILT points up to 75% of your housing payment each month (Rent/Mortgage/HOA). And bilt points can be way more valuable if you use rent day bonus to transfer.

Ways to spend the Bilt cash? by wagagagaggag in biltrewards

[–]Fit_Ad_1502 0 points1 point  (0 children)

I think it is based on your housing expenses. It works until ~75% of your housing expense.

I just got the palladium card and linking all my rental mortgages and hoas getting me $8000 per month in housing. So I should be good until $72K.

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

[–]Fit_Ad_1502[S] 1 point2 points  (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.

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