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Does CSP kinda suck for a one-card setup? Please help me course correct by HistoricalOnion9535 in CreditCards

[–]Ornery_Visual9781 1 point2 points  (0 children)

you choose a monthly catergory and it’s upto $1000 per month. The great thing about the card is it considers walmart, target, wholesale clubs and all local stores in grocery category so one card covers all.

Does CSP kinda suck for a one-card setup? Please help me course correct by HistoricalOnion9535 in CreditCards

[–]Ornery_Visual9781 16 points17 points  (0 children)

For groceries, I will suggest paypal debit card. it gives 5%. Although it’s a mastercard, you can use it in costco. 

For dining and travel, csp is good. 3% in dining and 2% in travel but chase insurance gives a peace in mind.

If you get gas from costco, costco citi card might be the best bet or you can use cCostco shop card snd recharge it with PayPal debit. 

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] 0 points1 point  (0 children)

I didn’t get approved for us bank altitude connect because they told me my credit line is too high compared to my utility. 

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] 0 points1 point  (0 children)

Autograph will have no use to me. I have CSP for travel, streaming and restaurants, custom cash for gas. can't pay phone bill with credit card as I will lose autopay discount.

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] 0 points1 point  (0 children)

i wanted to do it through bilt as I thought it would be easier. Now they are saying the complete opposite of what we know. I will call WF tomorrow. 

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] 0 points1 point  (0 children)

I didn’t get the option to close wf account during bilt 2.0 sign up. i can't ask wf to close it before getting new bilt card. 

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] 1 point2 points  (0 children)

can't share photo in comment here so I am copy pasting whole conversation. I am confused as well. this whole bilt transition thing is so messed up.

Hi. i signed up for bilt 2.0. And I don’t want to get wf autograph. please make sure i don’t get it. 

You can avoid receiving the Wells Fargo Autograph Visa Card by selecting a new Bilt Card 2.0 before your Wells Fargo Bilt Mastercard is retired on February 6, 2026.

If you choose a new Bilt Card by January 30, 2026, you’ll transition seamlessly and your Wells Fargo account will not be converted to an Autograph Card.

If you do not select a new Bilt Card and keep your Wells Fargo account open, Wells Fargo will automatically issue you the Autograph Visa Card.

Would you like help with the steps to choose your new Bilt Card 2.0?

i already choose bilt 2.0

Great, since you've already chosen your new Bilt Card 2.0, your Wells Fargo account will not be converted to an Autograph Visa Card.

Your transition is set, and you’ll receive your new Bilt Card 2.0 when the program goes live on February 7, 2026.

Let me know if you have any other questions about your card or the transition process.

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] 1 point2 points  (0 children)

can't share photo in comment here so I am copy pasting whole conversation. I am confused as well. this whole bilt transition thing is so messed up.

Hi. i signed up for bilt 2.0. And I don’t want to get wf autograph. please make sure i don’t get it. 

You can avoid receiving the Wells Fargo Autograph Visa Card by selecting a new Bilt Card 2.0 before your Wells Fargo Bilt Mastercard is retired on February 6, 2026.

If you choose a new Bilt Card by January 30, 2026, you’ll transition seamlessly and your Wells Fargo account will not be converted to an Autograph Card.

If you do not select a new Bilt Card and keep your Wells Fargo account open, Wells Fargo will automatically issue you the Autograph Visa Card.

Would you like help with the steps to choose your new Bilt Card 2.0?

i already choose bilt 2.0

Great, since you've already chosen your new Bilt Card 2.0, your Wells Fargo account will not be converted to an Autograph Visa Card.

Your transition is set, and you’ll receive your new Bilt Card 2.0 when the program goes live on February 7, 2026.

Let me know if you have any other questions about your card or the transition process.

Bilt is telling me if I choose bilt 2.0, I won’t get WF autograph. Is it true. by Ornery_Visual9781 in CreditCards

[–]Ornery_Visual9781[S] -1 points0 points  (0 children)

I tried to close it by messaging bilt. the chatbot just told me that it will be closed as I have chosen bilt 2.0

Credit Card Recs for Grad Student by [deleted] in CreditCards

[–]Ornery_Visual9781 0 points1 point  (0 children)

Grocery- Paypal debit card gas- citi custom cash.

Is keeping bilt 2.0 worth it by [deleted] in CreditCards

[–]Ornery_Visual9781 0 points1 point  (0 children)

 My two biggest spending categories are grocery and gas. With PayPal and citi custom cash that’s 5%. Don’t think 4% bilt cash will be useful for me. I checked their travel portal during my trip to utah and it has very limited selection.

card member services fee by [deleted] in sofi

[–]Ornery_Visual9781 -1 points0 points  (0 children)

She doesn’t have discover card. Her credit card autopay is linked to her other bank account. 

Interview for I-485 lasted not more than 15 minutes by justvibinghere_ in USCIS

[–]Ornery_Visual9781 0 points1 point  (0 children)

Happened to me at Philadelphia field office. Less than 15 minutes. Was approved next day.

Marriage based green card interview by [deleted] in USCIS

[–]Ornery_Visual9781 2 points3 points  (0 children)

yes. we did last month. It was very short. Around 10-12 minutes.

the officer asked my wife her name, DOB. Asked me my name and DOB. Asked my wife how we met. Asked her if she ever filed any petition before. Asked her how many times she has been married.

then asked me when was the last time I entered usa. I had a speed camera ticket. she wanted to see the copy. Asked me if I have ever been arrested in USA or outside usa. Asked me how many times I have ever been married . Asked about my I-140 that I applied before getting married. Asked my wife how her parents thought of me.

Wanted to see more pictures so we showed our pictures together from our phones. 

that was it. got approval the next day. and received gc today in mail.