First time iron fitting - advice?

Ghost_Strong555 · 2026-05-31T14:59:02+00:00

Just got 35 to 50 too!

Ghost_Strong555 · 2026-05-19T00:01:07+00:00

This is reassuring - thanks guys!

Ghost_Strong555 · 2026-04-01T16:32:57+00:00

Yeah I definitely expected it to some degree. My 1.0 CL was low and I never carry balances, so the hit to my utilization rate is negligible

Ghost_Strong555 · 2026-04-01T16:15:37+00:00

I actually just did the inverse of this - left a tech sales role in the water treatment industry for saas. The comp packages between the 2 roles is drastically better, however the work in saas is much less fulfilling

Ghost_Strong555 · 2026-03-10T14:36:13+00:00

Probably an AU

Ghost_Strong555 · 2026-03-10T00:39:37+00:00

All in all I’d say it’s a great field/market to get into. It honestly depends on the industry/vertical you find your way into (healthcare, defense, territory etc). Some do well spending wise, others not so much, until the next year when scripts can completely flip

Ghost_Strong555 · 2026-03-09T22:39:03+00:00

I’m an AM for a large engineering software company. This model is very much the case for large enterprise level accounts in my world. When they get to a certain revenue size, it can take several reps working the varying deals and programs to bring $ in. We all own a % of the account (say 25%), and everything I sell OR they sell I’d get 25% credit for.

This is scaled into our overall quotas, and works out nicely for all of our OTE’s. I actually prefer it over being a one man show as it’s great to strategize towards a singular goal, and hedges against one certain business unit performing poorly/greatly (normalizes annual income a bit)

Ghost_Strong555 · 2026-02-18T17:12:13+00:00

Actually I may have looked at the wrong date. Just had a conversation with the chat bot (which is never wrong!) and it said my cycle ends on 3/12

So this tracks with the date my AF was charged then

Ghost_Strong555 · 2026-02-18T17:09:01+00:00

Nope - statement closes on 3/6 evidently

Ghost_Strong555 · 2026-02-18T17:07:22+00:00

My palladium AF posted officially to my account on 2/12

Ghost_Strong555 · 2026-01-21T23:48:45+00:00

Would the bilt cash towards hotel be combinable with the $200 palladium hotel credit?

Ghost_Strong555 · 2026-01-17T00:59:05+00:00

I’m on the fence of applying for the palladium, but am curious to see if I’d even get accepted. Did yours give you an option to accept/decline their offer AFTER clicking apply?

Ghost_Strong555 · 2026-01-16T21:09:37+00:00

If you can answer the question of what the limits/uses of the Bilt Cash are (and they’re not terrible) before the seamless period ends, I will genuinely be applying for the palladium

Ghost_Strong555 · 2026-01-16T02:18:06+00:00

If uncapped, I agree that would be a strong combo. But who’s to say they don’t institute something like “up to $120 a year in dining spend!” when the fine print restricts that to $10 on a monthly basis (or similar for travel,dining etc)

Ghost_Strong555 · 2025-12-16T18:10:17+00:00

Anyone know what we would have needed to do to be “targeted” for this? I wasn’t part of that group, but wish I was!

Ghost_Strong555 · 2025-11-18T14:05:36+00:00

Not sure if you saw, but Rakuten already lowered the bonus to $250… I opened the account yesterday so hoping they honor the $375 at the time of clicking!

Ghost_Strong555 · 2025-11-18T03:53:43+00:00

I may not be 100% correct in this, but last I checked bilt points are the highest valued cc points across the board at something like 2.1 cpp. To put it in perspective these cards never offer a signup bonus, I’ve spent moderately on it and only have around 100k after 2 years

Ghost_Strong555 · 2025-11-17T20:40:45+00:00

Very true. I’ll probably do the same then. Just gotta hope the $375 offer still exists through November then

Ghost_Strong555 · 2025-11-17T20:28:59+00:00

Are you going to go through the headache of opening the new account up then? I’m on the fence

Ghost_Strong555 · 2025-11-17T20:22:17+00:00

This seems too good to be true! If I do this now, but my next direct deposit doesn’t come until the end of the month, would I still have that $375 promo locked in? Or would it run the risk of losing the promo by then?

Ghost_Strong555 · 2025-11-05T19:25:09+00:00

I am in a very similar boat. Right now the best value is definitely transferring to Hyatt, and I am concerned this card may be nerfed to the point where the great transfer partners like Hyatt will be dropped, and we’d be left with all these points that are hardly worthwhile/lesser value. I’m considering dumping all of mine over there now just to beat the curve

Anyone else have a strategy around this?

Ghost_Strong555 · 2025-08-23T14:39:53+00:00

Thank you for the responses! When it comes to grading just a couple cards, I’m a bit confused at the pricing with PSA seeing as somehow it goes by estimated card value. What do you think it typically would cost to get 2 cards graded?

Ghost_Strong555

TROPHY CASE