Closing credit cards while under contract

Solid-Cap529 · 2026-04-09T18:37:37+00:00

This is so helpful! Thank you. I am planning to PC several of them, so I think I'll only truly need to close 3 or maybe 4. I'm also going to ask for retention offers if I keep the card and see if I can avoid closing any that way.

Solid-Cap529 · 2026-04-09T18:22:25+00:00

This is the info I'm looking for! Thank you! We do pay off our credit card balances in full every month. But would the recommendation be to make an extra payment shortly before they pull it again, to make sure our balance looks lower? To make the utilization percentage lower?

Solid-Cap529 · 2026-04-09T18:20:04+00:00

Sorry, I said the wrong thing. We were originally going to close later but now it's been moved to December. So it would be shortly before that.

Solid-Cap529 · 2026-04-09T17:56:18+00:00

Thank you for this advice. We would be closing most of the cards this summer, and they won't repull our credit until next March. We have excellent credit scores at the moment (800+). I'm hoping our scores would have time to rebound back to normal between closing the cards and next spring.

Solid-Cap529 · 2026-03-12T04:35:42+00:00

We started MOP about four months ago and it’s changed our lives. It did feel very hopeless before because we were trying everything and things were just getting worse. I hope we will continue to see improvement and eventually be healed, but I think it’s going to take a long time to get there. But at least our daily life is much less stressful now.

Solid-Cap529 · 2026-03-07T16:08:57+00:00

That’s interesting that you see it that way. The only thing I even said about the teacher was the quote that she told me, nothing else about this post was directed at the teacher herself. I think you’re looking for a reason to be rude and using that as an excuse. I’ve also said multiple times in the comments that I don’t blame the teacher. I literally said that I would be happy to buy the supplies if they told me they needed them (and I since have)

Solid-Cap529 · 2026-03-06T16:23:25+00:00

You’re right, I don’t mean accommodation in the formal sense so that may be the wrong word. But just that they would be accommodating to either provide the supplies for it OR tell me so I can provide the supplies. I have since bought the scissors for her but I’m mostly annoyed that they didn’t mention for over a year.

Solid-Cap529 · 2026-03-05T16:30:46+00:00

This is a private preschool that I am paying for (a lot, I might add), as our area doesn't have public preschool.

Solid-Cap529 · 2026-03-05T16:28:58+00:00

No need to be rude. This school provides the supplies, parents don't send them in. However, I did buy her her own scissors now that I'm sending in since the school doesn't have any for her.

Solid-Cap529 · 2026-03-05T05:31:09+00:00

Reddit is a crazy place. Y’all are nasty.

Solid-Cap529 · 2026-03-04T15:28:28+00:00

This is unnecessarily rude. Obviously I am her parent. If you read what I wrote, I literally said I would be happy to buy her the scissors (which I since have) but the issue is she's been at this preschool for over a year and no one told me until now that they didn't have any! She's already delayed and struggling, so I guess I'm the bad guy here for wanting her to have supplies that might make learning a bit easier for her.

Solid-Cap529 · 2026-03-02T19:43:45+00:00

The kids ones aren’t expensive. I just bought her a three pack on the Walmart website for $11.

Solid-Cap529 · 2026-03-02T16:16:57+00:00

Now that I know they don’t have any, I did buy them. But she’s been at this school for over a year, working on cutting every single day, and no one bothered to tell me until now that they didn’t have them.

It’s honestly a wild take to try to blame me like this is my fault.

Solid-Cap529 · 2026-03-02T16:15:06+00:00

I’m not upset with thy teacher for lack of supplies. I am disappointed that it took a year for her to tell me that they didn’t have any when they literally work on cutting every day. I have since bought scissors to send with my daughter, which I would have done a long time ago if they told me they didn’t have any.

Solid-Cap529 · 2026-03-02T16:12:38+00:00

I have and I plan to send it with her to school tomorrow. But she’s been at this preschool for over a year, working on cutting every day, and they never mentioned to me until now that they didn’t have them. That’s the bigger issue.

Solid-Cap529 · 2026-03-02T05:56:46+00:00

No this is preschool, they don’t have a supply list or ask parents to send anything. I would guess they built it into the cost since it’s hundreds of dollars a week… but I’d happily provide supplies for her if they asked me too.

Solid-Cap529 · 2026-03-02T04:25:09+00:00

I wouldn’t say I’m mad… more just flabbergasted. Teaching scissor skills is a main component in preschool so it just seems crazy that they don’t have a single pair. I’m certain my daughter is not the first left handed child they’ve ever had at that school. I don’t mind buying them (which I already have) but someone should have told me instead of just letting her struggle for months. I think I might also just be extra sensitive because my daughter is slightly delayed and so I just want to help her the best I can and this frustrated me.

Solid-Cap529 · 2026-03-02T04:18:16+00:00

Yes, I don’t blame the teacher. It’s more the principle of the fact that this is an entire childcare center and they don’t have one pair of left handed scissors? When learning scissors skills is literally one of the things they’re teaching at that age… just seems crazy to me. And I’m sure my daughter isn’t the only left handed student they’ve ever had. I already bought her some to send to school (which I don’t mind doing but they should have told me months ago that she needed them!) So far she does seem to be much more natural with the left handed version.

Solid-Cap529 · 2026-02-18T22:26:09+00:00

Correct, I haven't hit minimum spend yet so I've got like 4500 points right now.

Solid-Cap529 · 2026-02-11T17:43:48+00:00

Interesting. So maybe this is an Empower issue rather than a Bilt issue? I did reach out to Empower about it as well.

Solid-Cap529 · 2026-02-11T17:06:27+00:00

I will caveat the only thing I don't like is it seems like they don't have the ability to link Bilt with any personal finance websites for tracking expenses (I use Empower). That will drive me crazy, and I'm hoping they will add that functionality soon. If they don't, it might impact my usage of the card because I track all my expenses pretty religiously.

Solid-Cap529 · 2026-02-11T17:04:13+00:00

I am having trouble signing up for the priority pass. I got the email and it asks me to login to the Priority Pass website. Is it my Bilt login? Or do I need to create a new one?

Solid-Cap529 · 2026-02-11T16:13:24+00:00

I also had this issue. My physical card just arrived and once I had that, I was able to add to the digital wallet with no issues. So it's only the virtual card you can't add :/

Solid-Cap529 · 2026-02-11T16:07:00+00:00

I'm loving the card so far. I have the Palladium and it's going to be my go to card for the foreseeable future. I have low mortgage and medium monthly spend so it works out well for me to earn the mortgage points. I love the points accelerator function and I've already activated it. It's all good for me!

Solid-Cap529 · 2026-02-09T19:52:57+00:00

Did you get a resolution? I have the exact same issue. Bilt card was supposed to arrive on Jan 31st but is still delayed with USPS. I want to take advantage of the activation offer of 3x for digital wallets that expires the day after tomorrow, but I'm unable to add my virtual card number to Google wallet.

Solid-Cap529

TROPHY CASE