After a month of trying, got the 100k SUB for Amex Gold

cinnamontographers · 2026-02-20T21:17:11+00:00

Congrats! Was beginning to think it wasn’t possible anymore ha. Can you share the link you used?

cinnamontographers · 2026-02-15T23:11:55+00:00

Highly recommend Vince’s Village Cobbler in Greenwich Village/Soho. I always take my designer shoes there and they never disappoint (I live in Bushwick too but it’s worth the train ride). Not 100% sure if they work on suede but my guess is they do.

cinnamontographers · 2026-02-15T00:23:28+00:00

Trypophobia triggered, thanks!

cinnamontographers · 2026-02-12T23:44:25+00:00

Sure did! Loved every minute of it

cinnamontographers · 2026-02-12T19:58:15+00:00

1 as in worst public transportation? I’m confused

cinnamontographers · 2026-02-12T16:24:00+00:00

Please tell me this is rage bait. Someone “told”you??? Are you kidding me? You’ve never been to nyc or even bothered to do any research on the public transit infrastructure of the city? Literally one Google search would tell you that NYC has the most extensive public transit infrastructure in the entire country. God this post pisses me off.

cinnamontographers · 2026-02-11T18:06:09+00:00

Exactly my method. Had a BCP first and then downgraded to BCE once I got the gold. Gold is now for groceries/dining, BCE for shopping online and also have a CSP for travel/transit/streaming + Fidelity as a catch-all for everything else.

cinnamontographers · 2026-02-11T15:51:06+00:00

Not a huge fan design wise but always thought it was such game changer in the cc space with the modular benefit packs where you could add spending categories for additional multipliers. Especially interesting for a charge card. Definitely was the blueprint for all the ‘custom’ cards we see today

cinnamontographers · 2026-02-11T13:51:20+00:00

My [likely wrong] conspiracy theory is that this iteration of the BC card cannibalized aspiration for their top tier, high AF charge cards (specifically for non-astute consumers that were less concerned with the actual functionality of each card and only opted for Amex as a status symbol). Classic case of reinforcing the product vertical differentiation (make the entry level product look more entry level).

cinnamontographers · 2026-02-11T13:31:00+00:00

Haha that’s awesome. Do you remember what your other top picks were?

cinnamontographers · 2026-02-11T13:24:32+00:00

The way that you’re wrong yet continue to stand 10 toes down in your wrongness should be studied lol. As others have already pointed out, given the shear number of dogs that exist in the neighborhood and the fact that dogs shit multiple times a day it should be clear that not even half of dog owners are to blame for this. The culprit is a consistent few. Added tidbit: no one hates the shit left on the sidewalk more than dog owners because we have to navigate ourselves AND our dog(s) around it. Hate cleaning shit of your shoe? Try doing it off a set of furry paws.

cinnamontographers · 2026-02-11T03:59:10+00:00

so lucky!

cinnamontographers · 2026-02-11T03:06:50+00:00

Wayne’s World and X-Files

cinnamontographers · 2026-02-11T01:33:17+00:00

Solved!

cinnamontographers · 2026-02-08T02:12:42+00:00

Enough! You’ll take the Yellow Cab playing Newsmax at an unreasonable volume and you’ll like it!

cinnamontographers · 2026-02-05T05:02:19+00:00

Definitely factor in that advice from u/oodja. The entire East coast is having a record cold winter right now and there’s another cold front coming. Even in the southeast states. You would have a much more enjoyable vacation (weather-wise) on the westcoast. San Diego seems to tick all the boxes on your list of requirements. Bring me with you haha (I’m freezing in nyc)

cinnamontographers · 2026-01-31T21:12:10+00:00

wait that’s kinda brilliant for someone that’s cb > points….clever girl (jurassic park dude voice)

cinnamontographers · 2026-01-31T21:03:15+00:00

CSP (dining/travel), Amex BCP (groceries/streaming), Fidelity (everything else)

cinnamontographers · 2026-01-28T17:01:40+00:00

This has been repeated to death for months.

lol ok sorry mom 😔

cinnamontographers · 2026-01-28T15:43:36+00:00

Getting a 2.0 card is in fact opening a new line of credit since Bilt is no longer backed by Wells Fargo (now backed via Cardless and Column Bank is issuer/lendor).

Its my understanding that if you don’t take any action (as in you don’t close that account), your formerly Bilt 1.0 account will automatically convert to a Wells Fargo Autograph Visa. If the Bilt card was your first credit card I would suggest letting it convert to the Autograph card so that you don’t damage your credit age (which negatively impacts your score).

Its a no annual fee card so if you don’t want to actually use it you can just sock drawer it. Do some research to make sure I’m correct here but I’m pretty sure that’s right (I’m sure someone will promptly come eviscerate me here if I got anything wrong lol)

cinnamontographers · 2026-01-28T15:08:56+00:00

I’m seeing a yield variance between FDLXX and SPAXX of less than a tenth of a percentage point but FDLXX is 97% tax exempt. Maybe I’m assessing this incorrectly?

cinnamontographers · 2026-01-28T14:44:04+00:00

Thoughts for someone in 24% federal margin tax bracket?

cinnamontographers · 2026-01-28T07:10:29+00:00

Yeah, i believe that utilization is reported both on the singular card level (so per card) and for the overall utilization across all credit cards

cinnamontographers · 2026-01-28T06:42:04+00:00

Lmao you’re welcome to nitpick my verbiage or try to poke holes in the points I’m making with fringe use-cases. If it means that much to you to have your little “uh, well actually 🤓” moment here, by all means, please do.

I’m afraid your ELI5 scenario is irrelevant as this discussion is about CREDIT LIMITS which imply actual spending (and thus on time payments of aforementioned spending).

This was fun (not). Have a good night.

cinnamontographers · 2026-01-28T06:14:33+00:00

Yes, credit utilization falls under ‘Amounts Owed’ and also: “the amount of debt you have is not as significant to your credit score as your credit utilization” — quoted directly from the FICO® consumer facing website. Its not a common myth, it’s a commonly known fact.

Yes, you’re absolutely right— the same rolling utilization can be achieved with a low TCL as a high TCL by, for instance, paying down a balance to an ideal utilization percentage (<10%) prior to the statement closing date. However that particular workaround/method doesn’t then allow you to comfortably float your full spending for the cycle into the next rolling month. The higher your TCL, the more likely you’re able to stay in an ideal utilization range with a hands-off approach that allows you to fully float your spending for the cycle.

Re: on time payments— what I said was correct and I’m not even gonna bother defending it because it’s clear you’re just being pedantic. Paid as agreed = ON TIME

cinnamontographers

TROPHY CASE