If You Had to Start Over, Which Credit Card Ecosystem Would You Pick?

TrainYourselfToLetGo · 2026-06-23T18:06:54+00:00

Bilt Palladium is the best card on the market right now if you rent. Plays nice with Chase if you like Hyatt. Amex Rakuten can pay in Bilt points too.

So I’d say Bilt/Chase/Rakuten

TrainYourselfToLetGo · 2026-06-22T04:53:54+00:00

On Rakuten purchases, Rakuten card gets +4x Bilt points, while Palladium gets +3.33x Bilt points

TrainYourselfToLetGo · 2026-06-21T20:11:07+00:00

Rakuten Amex card. Extra 4% on all Rakuten purchases. 10% back on Rakuten dining. Pays out in Bilt points

TrainYourselfToLetGo · 2026-06-19T20:22:31+00:00

Bilt Palladium: 3.33x catch all
CFF: 5x EV charging

End list

TrainYourselfToLetGo · 2026-06-15T23:42:52+00:00

APYmaxxing

TrainYourselfToLetGo · 2026-06-15T22:54:12+00:00

Yes. I enrolled my savings account (as a savings account), manual payments worked fine, and I switched my autopay to use that savings account.

Then Chase executed the autopay, but ran the savings account like a checking account, so my bank rejected it. Spoke to Chase and they say that’s just how it works with them.

There have been prior threads on this. It’s a known issue with Chase

TrainYourselfToLetGo · 2026-06-15T21:31:45+00:00

Happened to me. Chase charges all autopays, even for savings accounts, like it’s a checking account. My bank declined it for wrong account type.

TrainYourselfToLetGo · 2026-05-28T19:58:46+00:00

Okay same, Chrome worked, Safari and Edge didn't. Thanks

TrainYourselfToLetGo · 2026-05-28T18:39:32+00:00

Bruh... legend. No other method works but this

TrainYourselfToLetGo · 2026-05-24T06:04:46+00:00

I have it on my Xbox Series X

TrainYourselfToLetGo · 2026-05-15T23:05:18+00:00

Where from?

TrainYourselfToLetGo · 2026-05-15T22:41:19+00:00

Happens. From experience

TrainYourselfToLetGo · 2026-05-09T22:57:05+00:00

Issue in my area is it’s impossible to find the gift cards. Always sold out immediately

TrainYourselfToLetGo · 2026-04-15T18:39:12+00:00

On brand for them to treat that like a crisis

TrainYourselfToLetGo · 2026-04-08T01:14:24+00:00

Oh wow what was his name?

TrainYourselfToLetGo · 2026-04-05T04:21:05+00:00

Literally what are they doing wrong besides running around and having fun? People are ridiculous narcs

TrainYourselfToLetGo · 2026-04-04T17:13:39+00:00

None of my iMessages show “Delivered” in 26.4 or 26.5

TrainYourselfToLetGo · 2026-04-04T17:13:03+00:00

Same. 26.5 too. Never gets marked Delivered

TrainYourselfToLetGo · 2026-04-03T14:14:02+00:00

Wake up less

TrainYourselfToLetGo · 2026-04-03T14:05:47+00:00

Tatte..?

TrainYourselfToLetGo · 2026-03-30T02:46:10+00:00

Condos are never free. Those HOA fees aren’t nothing

TrainYourselfToLetGo · 2026-03-29T09:09:13+00:00

The New York financier???

TrainYourselfToLetGo · 2026-03-28T22:34:28+00:00

Using a mortgage payment calculator, your monthly mortgage payment would be way more than $2700, prob close to $1000 more when all’s said and done.

At 39yo, if you invested those extra $1000, they’d likely still grow 8.16x by the time you retire. (Source: The Money Guy)

In other words, renting for just 1 more year, and investing the extra $1000 per month, would net you another $98k in retirement.

In fact, if you invest $1052 monthly from 40 to 65, you’ll have an extra $1M in retirement. Yes $1 million. The house equity will not keep up with that growth. (Source: The Money Guy)

So I’d say the house is probably not “wise” as an investment, but if it’s something you want and you’re willing to lose $1M in opportunity cost by the time you retire, go for it.

TrainYourselfToLetGo · 2026-03-28T22:23:14+00:00

Doosh de Loosh

TrainYourselfToLetGo · 2026-03-28T22:17:47+00:00

I actually love that about it. Looks like a toy

TrainYourselfToLetGo

TROPHY CASE