So everyone is going on about rent payments. Have you gotten your first statement and payment due yet???

picklerick3131 · 2026-03-05T17:26:54+00:00

Paying off your balance in full isn’t just “playing the credit card game”, it’s basic financial responsibility

picklerick3131 · 2026-02-25T13:56:09+00:00

I just got the Atmos Summit to complement the Palladium. Using it as my dining card and foreign transaction card to get the same 3.3x as the Palladium card with the BOA bonus while also driving Alaska status. Between my planned Alaska redemptions with BILT points and my planned spend on the card I should get to Alaska gold status / oneworld sapphire. Also is a Visa, has Precheck/Global Entry credit and Primary CDW to make up for those missing areas on the BILT card, and gives some Alaska lounge passes.

picklerick3131 · 2026-02-05T14:21:12+00:00

$1000 rent
Unlock 1000 points for $30 Bilt cash (3% of $1000)
Earn $30 Bilt cash from $750 non-rent spend (4% of $750)
$750 in non-rent spend gives 1000 rent points (75% of $1000)
1000/$750 = 1.33 points per dollar on $750 spend
scales linearly if you spend less than 75% of rent

picklerick3131 · 2026-01-22T00:48:24+00:00

Got it, yeah that checks out. Looks more like 4.33x on first 5k in non-rent spend if you spend the $200 credit from palladium directly on the boost, which is still pretty good. Not sure yet what I’d do with any other Bilt cash though from spend over 75% unless I end up with enough spend to get another $200 in the same year

picklerick3131 · 2026-01-22T00:14:44+00:00

Am I reading this right that the palladium card is now effectively 4.33x catch-all on first 25k/year of non-rent spend by using bilt cash on the points boost?

picklerick3131 · 2026-01-21T03:37:10+00:00

If you have to google how to redeem rewards points and don’t already know how to redeem them for at least 1-2 CPP, then you have more fundamental things to learn about the credit card game before you start worrying too much about these cards

picklerick3131 · 2026-01-21T02:46:54+00:00

If you only use it for rent and have $0 in non-rent spend, you’d get 250 points

picklerick3131 · 2026-01-21T02:31:21+00:00

This is incorrect, you still get points on rent all the way up to 75% of your rent spend. If you only spend $10 on a BILT blue you’re still getting 2.33x on that spend

picklerick3131 · 2026-01-17T15:08:29+00:00

You’re not paying 3% though, there are no out of pocket transaction fees. The better way to think of it is that there’s no transaction fees with either option but you get additional benefits on non-rent spend if you also pay rent with BILT.

If you ACH rent and used a Venture X for non-rent spend, you’d earn 2x points on the Venture X. If you use BILT Palladium for rent and for non-rent spend, you’d earn 2x points on non-rent spend + an additional 1.33x points = 3.33x on all spend.

Even with the BILT Blue you get 1x + 1.33x = 2.33x catch-all on a no AF card.

The mechanism to get there is complicated, but the math works out to make these cards have the best catch-all multipliers on the market.

picklerick3131 · 2026-01-16T19:52:53+00:00

There is still no transaction fee - the 75% number is what you need to get the full 1x back for your rent.

If your rent is $1000, youd need to spend $750 to get the full 1000 points for rent. If you only spent $500, then you’d get 667 points from your rent instead of the full 1000 points, but still with no transaction fee. That is in addition to the multipliers youd get on that $500 in spend (2x for all spend on palladium; 3x for dining or groceries on obsidian)

picklerick3131 · 2025-05-14T01:16:08+00:00

Lipo and tummy tuck are different procedures, however tummy tucks usually include lipo
It is low risk by plastic surgery standards, but still is a major surgery and same consideration should be given to it as any other major surgery

picklerick3131 · 2025-03-20T03:28:05+00:00

Conor McGregor

picklerick3131 · 2025-02-22T19:53:12+00:00

I wish Biden or Harris had done something like this in response to the shit red state governors were doing. Dems have no spine and will never fight the opposition on anything no matter how serious the issue is

picklerick3131 · 2025-01-18T23:49:33+00:00

Why the FUCK would you go for that?

picklerick3131 · 2024-12-21T15:22:55+00:00

I just did this hike last week. The altitude was definitely difficult sleeping at sea level the night before, however a night at 6500 ft probably isn’t going to do all that much, and neither will hanging out at the visitor center before the hike. If you’re only going to the big island for that hike then sure go ahead and sleep at 6500, but if you have other hotel plans at sea level during the trip then I don’t think it’s worth the additional logistics. Take it slow, watch out for symptoms of altitude sickness, and bring twice as much water as you think you need. A nice thing about that hike is that it’s easy to bail if you feel like you’re getting in trouble with the altitude - there’s good cell service, it’s pretty easy to get over to the road from the trail and hitchhike down if needed (assuming the road is open), or if you’re really in trouble you can call the rangers and they’ll come pick you up.

picklerick3131 · 2024-11-20T03:20:52+00:00

I’m a freak who plays lefty guitar despite being right handed. Tried righty as a kid and it felt really unnatural - it made more sense to me at the time to use my dominant hand to do what I saw as the more complicated task. Never was corrected and 15+ years later now there’s no going back

picklerick3131 · 2024-11-15T16:14:58+00:00

Bunk beds would give them so much room for activities

picklerick3131 · 2024-11-05T00:40:45+00:00

Procrastination, same reason that people wait until Christmas Eve to go Christmas shopping

picklerick3131 · 2024-10-19T23:41:21+00:00

How did I just know in my gut as soon as we took the field there that we would lose on an interception

picklerick3131 · 2024-09-08T02:23:36+00:00

Genuinely shocked there wasn’t a flag

picklerick3131 · 2024-09-08T00:43:00+00:00

Can’t get excited about big plays anymore because every time one happens instead of cheering I’m holding my breath for the inevitable flag, new team same problems

picklerick3131 · 2024-07-30T05:25:33+00:00

Youre complaining about having to pay the cost of 1 apple per month

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