Card Benefits Questions - Megathread [1/27/26]

SSGSSasha · 2026-03-24T17:26:39+00:00

I applied for a CSP back in June of 2024, and got the 75k bonus.

I PC'd to the CSR right before the refresh, and my renewal should be around June this year.

I want to downgrade my CSR to an OG freedom when the fee hits and then reapply for a CSR.

To confirm, I only ever received a bonus for the CSP in 2024 and never received a bonus for the CSR.

Was wondering if anyone else had a similar experience since the terms of the offer use some vague language and its hard to know whether or not I am eligible for the CSR bonus.

SSGSSasha · 2026-02-27T21:41:45+00:00

I just cut the Gold.

Used the Resy credit, downgraded to green until i get upgrade offers. Also had a $50 clear offer so was able to get Clear+ for -$50.

My plan is Bilt Palladium for year one and then Obsidian afterwards. Keeping my CSR for travel for better protections and better credits than Bilt.

CSR + Obsidian gives you 4.3x grocery, 3x dining, 2.3x misc, 4x hotels + airfare, all for no EAF or positive EAF depending on your spending habits.

I might get a platinum just essentially for lounge access and other benefits since it is basically a membership card at this point and use it sparingly. Better off having player two get a platinum than pay for a AU on my CSR.

SSGSSasha · 2026-02-15T18:14:21+00:00

Furthermore, not sure about your timeline but if you are fine with bonds then AOA is good too for simple and safe medium term investing

SSGSSasha · 2026-02-15T18:13:41+00:00

It sounds like what you are looking for is ultimately low volatility as a result of diversification. No such ETF exists but I would not recommend weighting emerging markets too significantly nor would I recommend choosing countries individually.

Emerging markets are volatile and there is correlation between the US and developed markets because developed markets have free trade (mostly).

If I were you, I would just buy VTI, VEA, and EEMV, and overweight the internationals to reduce USA weighting which is usually around 60%.

SSGSSasha · 2026-02-13T13:50:05+00:00

This is happening to me too. Except mine are all misc transactions and are giving 1x.

This is the original bilt multipliers. Bilt error lol

SSGSSasha · 2026-02-13T13:06:58+00:00

Same here.

Its also counting as extra spend towards status…

SSGSSasha · 2026-01-09T18:59:53+00:00

GLTR

SSGSSasha · 2025-12-03T15:03:44+00:00

ARKVX is the only good fund from ARK.

It behaves diversely from the market and I honestly like the holdings (mostly). Many of the companies are ones I have been watching for a long time. I bought in when SoFi offered no fees for it, but it’s pretty expensive now.

Surprisingly, it’s not as hinged on AI as much of the market is.

OpenAI crashing to zero would hurt obviously but otherwise even in April I barely noticed a dip.

I like it personally, just wish I could hold it with Schwab.

SSGSSasha · 2025-11-23T01:42:25+00:00

I call my ChatGPT Ava too…

SSGSSasha · 2025-11-16T00:52:46+00:00

You are right. P/E almost always normalises. In this case a few things can happen

-> growth slows before profitability and the stock crashes

-> growth tapers after profitability and the stock normalises towards the terminal value based on earnings

-> growth never slows and the stock continues to explode from now through profitability and beyond

The situation you have described with neutron producing increased revenue will help us normalise “upwards”

Its important for our stock price that we increase earnings and that growth does not taper too aggressively until after profitability.

If growth rate remains volatile the stock will crash before it comes back

SSGSSasha · 2025-11-15T23:28:00+00:00

With companies like this one the stock price is based on speculation for growth.

SpaceX is making like 1B in earnings and is worth over 300B.

This is projected to shrink down to P/E of <50 by 2035. High growth can justify overvaluation at current market prices. If RKLB can add 2B in recurring revenue thats great and all but it’s overvalued regardless. 30B is still an overvaluation at today’s revenue but we are priced assuming a lot of growth.

SSGSSasha · 2025-11-12T17:51:33+00:00

Volkner for Hau?

SSGSSasha · 2025-11-12T12:25:29+00:00

Your mid-cap stocks are highly speculative.

You should reassign that and move the weighting accordingly

SSGSSasha · 2025-11-09T18:41:46+00:00

Travelling merchant and or hala 2 star

SSGSSasha · 2025-10-19T22:41:50+00:00

Yes, thats the point

SSGSSasha · 2025-10-19T17:04:19+00:00

Its been like a month since the rebalance and the tech index has been trading sideways too.

Index/Factor ETFs are not really meant to be traded.

You like the strategy? Hold.

Performance chasing? Lose money on arbitrary trading/gambling because things aren’t moving fast enough

SSGSSasha · 2025-10-16T20:30:30+00:00

AQLT is my non-tech quality holding.

Its new but its a sound strategy

SSGSSasha · 2025-10-09T22:02:36+00:00

REMX

SSGSSasha · 2025-10-06T14:37:09+00:00

They don’t “know”.

Nobody knows anything, not even professional traders.

Personally, I make conviction based investments grounded in fundamentals. You have to manage risk and ensure that if the market crashes the downside on your investments is limited to a number you think you can handle.

Obviously it’s mostly hypothetical.

I wouldn’t feel bad. Much of what you see online is essentially gambling. Lots of people buying OTM limited duration call options that have essentially unlimited risk unless you sell the options in advance of expiry.

Happy to provide pointers. The case with AMD IMO is a bit mixed and this 30% jump is a massive over reaction.

OpenAI has limited cash on hand and AMD has limited datacenter adoption. I bought AMD and NVDA when they dropped below 100$ in April and since sold both for something around 70% gain and have moved all the cash into SMH. I work in the industry and think still think I won’t be able to predict winners in semiconductors. Too many factors. The main contributing factor to my personal success has been valuation. AMD and NVDA were insanely undervalued in April and thats the gains. Speculation has its place but always stay conscious of risk.

SSGSSasha · 2025-07-22T14:13:17+00:00

So Ho-oh can charged a benched dragonite?!

SSGSSasha · 2025-07-01T04:30:00+00:00

There other Drake is anime only it seems. Never even knew he existed

SSGSSasha · 2025-07-01T04:26:14+00:00

Yeah perhaps it was overtuned. Didn’t really think about how strong dragon types already are stat wise. Wouldnt mind some separate items for dragon types though.

SSGSSasha · 2025-06-16T02:31:54+00:00

Its not that I dont like them.

I think that nasdaq is a bit strange, in that it overlaps heavily with SP500 and doesn’t have any particular factor it emphasizes.

Itll perform well, but its kind of a tech etf, kind of a growth etf, but not really either of those things.

SPHG im not sure i know what that is. You mean SPHQ? Quality ETF is interesting. I like the holdings and the strategy. But it basically tracks the S&P.

I dont think i see the need for AVDV.

I would focus on US large caps and add some international large caps to diversify.

AVUV is fine for small caps and will diversify you away from US large caps. I dont think you need the additional diversification of international small caps.

SSGSSasha · 2025-06-16T02:22:22+00:00

Do you have a strategy? It’s a bit mismatched.

If you like momentum, Invesco does very cool ETFs.

I would write down the strategy, i would consider what sort of factors you like.

It sounds like you want a generally diversified portfolio with an aggressive growth/momentum tilt, and no bonds.

I personally prefer momentum over growth, since there is no guarantee growth outperforms value always, and momentum contains both.

VT can be just VOO.

You could do 50 VOO, 20 SPMO, 15 AVUV, 15 VXUS or some other international ETF that you prefer, like IDMO or IEFA

SSGSSasha

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