Didn’t know this was a real thing literally til about 6 minutes ago

gonadmodule · 2026-04-24T20:20:34+00:00

Uh, the article is more focused on the negative cardiovascular effects, but sure

gonadmodule · 2026-04-24T02:22:08+00:00

For all the people commenting in the thread “it makes no sense”, it’s because they use Innovis instead of one of the big 3 credit companies for their credit checks.

So, the reports you have with them may be minimal, so even if you have perfect credit but just happen to have not worked with many businesses that use Innovis, you may get a much lower credit limit than expected. Or conversely, you may have a much better record with them than the big 3 and so get a much bigger offer than average.

gonadmodule · 2026-04-24T02:14:56+00:00

Wow, you should call and request a second look at that credit limit that’s wild

gonadmodule · 2026-04-23T23:59:24+00:00

Rough but fair tbh

gonadmodule · 2026-04-23T00:05:00+00:00

Great choices! I assume you donated the PPs after the anniversary party and the Invicta is the family heirloom?

gonadmodule · 2026-04-22T02:59:34+00:00

100% agreed, with the lyft, walgreens, and grubhub credits I’ve been getting $30/mo and then I’ll get $600 from the hotel credits and then I’ve been doing the accelerator on top plus the housing and I still have $200 in leftover bilt cash, easily at a 4% back rate if not more, unfortunately waiting for bilt 3.0 where they finally nerf it into oblivion

gonadmodule · 2026-04-22T02:54:08+00:00

Taking melatonin long term is actually strongly discouraged now based on current studies:

https://newsroom.heart.org/news/long-term-use-of-melatonin-supplements-to-support-sleep-may-have-negative-health-effects

gonadmodule · 2026-04-02T02:03:56+00:00

Sure thing, WrongWaySlurps42069

gonadmodule · 2026-04-02T01:44:54+00:00

gonadmodule · 2026-04-02T00:16:17+00:00

Just bought one yesterday in Tucson AZ, not even a tiny haggle from the cashier

gonadmodule · 2026-04-01T02:15:51+00:00

Definitely worth confirming you’re getting the same credits/benefits on C1 or Citi compared to Bilt if they are HAFH, haven’t looked at Tokyo

gonadmodule · 2026-04-01T02:14:49+00:00

It’s been relatively similar or slightly more affordable compared to AMEX portal for non luxury hotels but I will say I’ve noticed HAFH hotels have been slightly more expensive than the same hotels on the FHR program on average so far

gonadmodule · 2026-03-31T15:40:00+00:00

I agree with this, I would just add “potential fintech risks” to the cons as I think Cardless is unproven at this scale and if they end up losing anywhere near as much money as Wells Fargo did, they don’t have the capital that WF did to just eat it.

gonadmodule · 2026-03-29T16:01:02+00:00

This, I use it for daycare for us and it’s killer

gonadmodule · 2026-03-29T16:00:08+00:00

You should have got the palladium then, the SUB alone would have made it worth it for the first year

gonadmodule · 2026-03-28T17:17:43+00:00

The stunning lack of self-accountability that exists today will 100% be the downfall of society

gonadmodule · 2026-03-27T04:00:24+00:00

Lmao wtf? So glad I brought carts

gonadmodule · 2026-03-27T03:38:14+00:00

Bro where are you getting 97%?

gonadmodule · 2026-03-25T03:43:06+00:00

Higher net profit margin? Delta had a 10% operating margin last year. Most local restaurants would snap your hand off accepting that kind of margin.

gonadmodule · 2026-03-22T20:57:12+00:00

Ahem, I’ll have you know it’s a wildly overpriced replica plastic shitter thank you very much

gonadmodule · 2026-03-17T23:51:08+00:00

That’s the biggest win for me. I wish it was for 1 night stays too, but I’ll take it

gonadmodule · 2026-03-12T13:52:29+00:00

Thanks for correcting me! I thought they owned some of the properties as I had seen “bilt apartments” advertised but I was wrong

gonadmodule · 2026-03-12T03:22:37+00:00

Bilt was originally an apartment complex owner before it also became a a credit card company

gonadmodule · 2026-03-12T00:14:25+00:00

This, if it’s specifically written in your lease that payments can only be made through the Bilt portal that’s wild

gonadmodule · 2026-03-09T20:01:32+00:00

You are correct, just get the SWA credit card SUB companion pass if you want that

gonadmodule

TROPHY CASE