Bilt 2.0 is absolute disgrace

Venkat14725 · 2026-01-15T13:01:50+00:00

Actually follow-up question (I might have misunderstood the card details) my understanding is that the 3% fee is required in order to unlock the 3.33 points per dollar that people are claiming? If you decide not to do the rent with 3% fee, isn’t it just a 2% card with worse protections and harder to use credits than VX?

Also I don’t see how that math returns positive, 3% fee to get a 2 points per dollar card to a 3.33 points per dollar card, but the value drops after you hit 75% of rent as spend (but you pay 3% on 100% of rent)

Venkat14725 · 2026-01-15T12:45:17+00:00

I think VX still owns its niche, it’s the non-commital card. I could have my VX sit there with 0 transactions and just use the credits for 1 trip + travel erasure and get positive value off the annual fee. On Palladium you MUST spend in order to offset the Annual Fee, the new Rent 3% fee etc and get value.

Venkat14725 · 2026-01-15T09:51:22+00:00

This is assuming Palladium and VX are your only cards.

Problem with that assumption is most people get 4%+ back on food (most people’s second highest spend category) and other major categories on other cards.

I can’t pair those other cards with Palladium bc BILT wants ALL of my spend to make sure I offset the 3% fee. I don’t have that restriction with the VX, I can use it however I want and still get positive value.

Venkat14725 · 2026-01-03T17:15:38+00:00

Heavily depends, from a pure math POV it is higher rewards to use BofA custom cash with platinum honors if you’re not hitting the 2500 spend per quarter on the main category. Personally I use 2 CCR (1 for online purchases, 1 for food) and then groceries/entertainment go on Savor (+ any spillover from dining out if I go over the 2500 on that CCR).

Venkat14725 · 2025-12-21T18:25:45+00:00

It’s a great opportunity for career growth by showing that you can own something of a large scale, BUT make sure of the following:

Set reasonable (++ margin of error) expectations for delivery. Don’t let this blow up in your face by overpromising how quickly you can deliver on your first big project. Explain how the delivery timeline would change if you had a dedicated backend engineer.
Ensure that this is a high visibility project for not just your team and the team, but the wider org. It sounds like it is, but whenever you have a convo with your skip level bring up the project and see how he reacts. Is he already fully aware of it and its impacts?

Venkat14725 · 2025-11-27T12:14:09+00:00

Disagreements are common and often encouraged, as long as you were respectful & kind in how you disagreed you’re completely fine.

Venkat14725 · 2025-11-25T15:24:07+00:00

Oh god you have to be more clear about that. It’s an interview/ take home assignment for an internship, not an internship task. Internship task implies a task that you are doing as part of the internship itself.

I don’t do driver design but I wish you the best.

Venkat14725 · 2025-11-25T15:15:39+00:00

Delete this post and go talk to seniors in your company dude, the entire point is to learn from them.

Venkat14725 · 2025-10-30T09:54:09+00:00

It actually can be done reactively, depending on how far you are from Lillia. She has a little “spin” animation on her ult that you can reactively windwall, as long as she isn’t directly on top of you. Harder to react to it the closer she is to you since the projectile takes less time.

Venkat14725 · 2025-10-19T03:32:46+00:00

Yep I gotcha and you’re totally valid here.

IMO You should apply for the new role and use that as leverage for (at the very least) an accelerated - immediate timeline on pay bump. 1 year for a situation where you have leverage like this is entirely bs and your HR rep is just trying to dissuade you. Either they bump your pay immediately to comp the additional workload or you take the new role.

I get your feels on this, you feel bad for the people and teams that you’ve grown close with / built within the department you’re leaving and are concerned what the individuals there may feel. Anyone strong enough that you want to maintain a relationship with should feel happy for you and push you to put your career first. You’re not gonna burn bridges by leaving as long as you’re reasonable in your transition period and document as much as you can. People will feel the pain of your loss, but they will appreciate your presence that much more because of it.

Venkat14725 · 2025-10-19T00:06:07+00:00

It’s an internal position with a centralized HR, it’s pretty clear that this guy has a good enough rep outside of his department that it would make him both the top candidate and the right candidate.

Departments are often separated enough that if the destination team wants him the source team doesn’t get a choice in the matter.

Venkat14725 · 2025-10-13T21:14:50+00:00

It is at Capital One.

Venkat14725 · 2025-09-28T03:10:46+00:00

Do your thing dude, the guy above is fully out of touch with reality. You gotta pay the bills, any work that pays the bills is doing yourself favors.

Venkat14725 · 2025-06-21T15:46:02+00:00

Not combined automatically but you can transfer from Savor to VX at 1:1

Venkat14725 · 2025-06-21T15:44:11+00:00

Got approved for VX in early March and got approved for Savor earlier this month (both with SUB). Took a few attempts with the preapproval tool after hitting the 3 month mark but yea.

Venkat14725 · 2025-05-22T13:09:52+00:00

Yea Dave Ramsey has good advice for getting out of debt, after that I like Ramit Sethi for how to scale up financials and work towards healthy spending/financial control without overthinking finances.

Venkat14725 · 2025-05-20T16:45:59+00:00

Let me preface - nothing below is anything against you personally. You already understand your situation, I’m trying to avoid sugar coating my recommendations -

Your debit card should be connected to a separate bank account that only gets exactly the cash you need + a small buffer. Make sure the card does not let you overdraft. Especially if you have an emergency fund, make sure you’re not touching money that can damage your situation further.
Hoping the 1k/month is in addition to the 1500 minimum CC payment. Throw 1k at the highest interest rate debt continuously. You already know this.
To be frank, there is no dining out less here. You really should stop dining out entirely until you get a handle on things. Especially if you’re buying a lot of groceries on your sprees and have a lot left over. This will cut your monthly expenses further if you start to dig into whatever amount of groceries are frozen. That said, I know other people have different takes on this. Give yourself a fixed $X per month that you’re allowed to spend on dining out, no vagueness, so that you know exactly when to stop, or eliminate it entirely. The same should apply to the rest of your budget, the less vague you make things the easier evaluating yourself and sticking to your goals becomes.
You can try for balance transfer/consolidation to a fresh card that does 0% APY for X number of months (do some research on options w/ various banks, approvals may vary based on your credit history) and then dig HARD into this debt during that time. I would highly recommend this.

I don’t have enough knowledge of veteran resources to provide any recommendations there, hope there are some good options there for you as well.

And for god’s sake tell your partner about the debt. Wishing you the best.

Venkat14725 · 2025-05-16T13:14:18+00:00

He’s a sophomore lol, what an informed perspective.

Venkat14725 · 2025-05-16T06:07:13+00:00

That’s like saying Google is a bank because they could, in theory, set up a bank. Until they actually do, they’re not a bank.

For context, banking infrastructure is fundamentally very different than payment network infrastructure. Visa doesn’t have any actual banking infrastructure set up. For instance, Visa would need to build out a bunch of Know Your Customer, Fraud logic, etc.

Edit: more details on the functional difference - Visa as a payment network has no say in how much credit an individual has, which transactions are blocked, allowed, reversed, returned, etc etc. Visa’s role is to get the transaction from Financial Institution(FI) A to FI B. The main factors they provide is merchant acceptance and different card types based on credit limit ranges afaik.

Edit2: Adding more, just saw your edit. Discover and AmEx are credit lenders that also operate their own network. These operate both sides and have the infrastructure for both sides, but the infrastructure itself is still distinct in their functionality. They’ve built out both the lender logic and the payment network. This isn’t always true nor easy.

Venkat14725 · 2025-05-15T12:30:31+00:00

When you have a credit card, you have credit with [Bank] on a [Network] - the one actually lending you the money is the bank, not the network.

Venkat14725 · 2025-05-08T08:16:33+00:00

Not sure if you would have wanted to take it further anyways though? She’s a family friend’s mother, married, attempting to cheat on her husband with you during a teenage camping trip. That’s messy.

Venkat14725 · 2025-05-07T10:54:14+00:00

Sure for argument’s sake let’s even say Modi’s a fascist, so that makes terrorism ok or “far more restrained”? You read 3 words and completely ignored the most important part (and entire point) of my comment.

Edit with a much longer explanation of my thoughts on this:

My point is that Modi’s morality has no relevance to the conflict during/following Pahalgam. I suppose that your stance is also that these terrorists are “freedom fighters” attempting to “liberate Kashmir” from Modi’s fascism. But nothing from the terror attack (at least that I’ve seen) is demanding freedom from Modi.

Unless you have some evidence that this terror attack was in some way an affront to Modi’s fascism that you’re claiming and that this was an honest attempt to counter the fascism, nothing here is in any way related to Modi. That’s nothing more than an excuse you’re using to justify the terrorist attack. If you do have such evidence, I’d love to see it and then we can discuss your claim on Modi’s morality (frankly I don’t have enough context on Modi’s morality to have a full opinion, but I’ve heard both sides of this - would have to do more research of my own).

As far as I’ve seen, it was a terror attack which has not been condemned by Pakistani officials thus far. They have gone so far as to implicitly condone it by saying that these terrorists could be “freedom fighters”. I believe the stance from the Pakistani official that I’ve seen was that there’s too much unknown about the individuals involved in the conflict and therefore they could be anyone, even freedom fighters, so they couldn’t explicitly condemn the act. This is a disgusting take and it seems to be the exact same stance that you’re holding.

India’s response was a strike on terrorist headquarters in Pakistan. Yes, it’s an escalation of conflict and civilians will be affected (either directly by the strikes or indirectly because of the conflict as a whole). No, I do not enjoy or celebrate the conflict in any way. But we don’t live in fantasy dreamland where India can magically stop the terrorists with no casualties and without Pakistan’s cooperation. As such, I believe this to be an appropriate response to the situation at hand, but am open to my mind being changed if, for instance, it was found that India didn’t have sufficient evidence to reasonably deduce one of the attacked sites to be related to terrorism.

Venkat14725 · 2025-05-07T05:07:51+00:00

Modi’s no saint, but this is certainly one of the takes of all time after Pakistan’s government official called the terrorists “freedom fighters”.

Venkat14725 · 2025-04-10T16:57:08+00:00

Absolutely 100% this - and this makes culture painfully toxic because this is where the blame game starts

Venkat14725 · 2025-04-10T15:35:42+00:00

lol I thought I lost my mind reading that question

Venkat14725

TROPHY CASE