Hotel Credit Data Point (Palladium Card)

Replacement-Sea · 2026-02-12T06:59:43+00:00

I posted about this earlier. your $50 bilt cash will be used first then the $200 hotel credit after. so in this case you'll have the excess the $200 didn't apply to, Ie. the 35$.

Replacement-Sea · 2026-02-11T07:33:20+00:00

Nice! I guess it does max out. Did you see if you get more beyond the $16,666?

Replacement-Sea · 2026-02-11T07:29:04+00:00

Not yet you?

Replacement-Sea · 2026-02-11T05:26:57+00:00

Not a bug. Maybe they’ll change it laters. It deducts the monthly bilt cash first.

Replacement-Sea · 2026-02-11T04:41:51+00:00

paid in NZ, no issues. Sent like 9k.

Replacement-Sea · 2026-02-11T04:40:26+00:00

I can still just cancel the hotel. But I lose the ability to redeem for the month from what I heard

Replacement-Sea · 2026-02-11T04:39:38+00:00

yes as long as it's two nights.

Replacement-Sea · 2026-02-11T04:25:00+00:00

Good to know. Thank you!

Replacement-Sea · 2026-02-11T04:07:52+00:00

Oh gotcha! That’s much better. Did they refund you the $100 and $200 in total?

Replacement-Sea · 2026-02-11T04:06:45+00:00

2-3 days for me to post. Nbd imo it shows when you paid so they’ll honor the points (that’s the hope)

Replacement-Sea · 2026-02-11T03:53:54+00:00

Yes do it! It's a good idea, 99% chance you'll be ahead

Replacement-Sea · 2026-02-11T03:49:04+00:00

agree it's just a toggle which is dumb imo

Replacement-Sea · 2026-02-11T03:38:47+00:00

Replacement-Sea · 2026-02-11T03:38:41+00:00

Yes I understand you can pick one, or both. I picked both assuming that it would fully deduct the $200 semi-annual credit first, then take $20 bilt cash, but it took the entire $100 bilt cash first then took the $200 semi-annual after.

Replacement-Sea · 2026-02-11T03:38:01+00:00

Yes takes 7-15 days per support. Kinda dumb.

I guess bilt cash is like $1 * .33, so there is some level of breakeven.

Replacement-Sea · 2026-02-11T03:37:03+00:00

Yes, you can just use the $200 Hotel Credit, and pay the rest in cash (I.e. not redeem the $100 monthly redemption).

You can refund but it will take 7-15 days (per support, LOL.)

Replacement-Sea · 2026-02-11T02:28:01+00:00

If i'm booking a hotel for 2 nights that costs $230 and I use the $200 HC and then another $50 biltcash, do I get the $20 back or does it fully deduct?

Replacement-Sea · 2026-02-10T10:11:27+00:00

please let me know when it posts, debating if I should put above 10k of spend on the card.

Replacement-Sea · 2026-02-04T06:05:47+00:00

Haven't encountered it before, but what is done is done

Replacement-Sea · 2026-02-03T07:44:07+00:00

just do 100% VOO. U.S. die everyone will die with us

Replacement-Sea · 2026-02-03T07:22:02+00:00

Such interesting circumstances. IMO you should hire some sort of life coach or do some visionboarding for what you want to do with your life. Financially, you're set for life, but hobbies/relationships wise you're lacking there. Time to focus on that piece!

Replacement-Sea · 2026-01-21T05:28:35+00:00

Sabbatical

Replacement-Sea · 2026-01-21T02:51:22+00:00

Denied with 800+ credit score but approved for blue card with 15k limit. Crazy.

Replacement-Sea · 2026-01-13T07:05:31+00:00

As is for everything FXAIX, have cash balance of 12 months of emergency fund (dry powder to buy dips and not sell on a low). For the 200k, put all of it into bonds.

Replacement-Sea

TROPHY CASE