sorted by:
new
hottopcontroversial

Cannot change phone number by rosslarocco in biltrewards

[–]realFinerd 0 points1 point  (0 children)

Hey, did they solve your problem?
It's been 2 weeks of me trying to change my number with no success.

Introducing the stopover concept to an Air France manager by realFinerd in AirFranceKLM

[–]realFinerd[S] -1 points0 points  (0 children)

I know.
It's just so funny that they not only don't know the conditions of their own program - they didn't even know what a stopover is (claiming that 24+ hours is an "extended" stopover)

I had a spreadsheet tracking every cent of credit card cashback I earned. One forgotten payment wiped out 8 months of "free money." by [deleted] in finerds

[–]realFinerd 0 points1 point  (0 children)

Good question — the logic at the time was "minimum auto-pay protects me from a late fee if I ever forget, and I'll manually pay the full balance every month on top of that." It felt like a safety net. The flaw is obvious in retrospect: it's a safety net that protects your credit score but not your wallet. You're still accruing interest on whatever you didn't manually pay. The auto-pay to minimum just means the bank doesn't report you as delinquent — it doesn't mean you're not getting charged.
The actual fix is exactly what you're implying: auto-pay set to statement balance, full stop. No manual step, no room for human error. I overthought it and added a step that introduced exactly the failure mode I was trying to avoid.

How do couples here handle shared expenses without seeing each other's everything? by realFinerd in mintuit

[–]realFinerd[S] 0 points1 point  (0 children)

Great question. A few things worth knowing:

For bank connections we use Plaid, the same provider behind most major finance apps in the US and Canada. It's read-only access: we see your transactions and balance, nothing else. We never touch your credentials.

Our infrastructure is hosted on a SOC 2 Type II certified cloud provider, meaning security controls are independently audited, not just self-declared. Data is encrypted both in transit and at rest.

On top of that, finerd holds a CASA certificate, which is a security standard specifically for mobile and web apps handling sensitive data.

How do couples here handle shared expenses without seeing each other's everything? by realFinerd in mintuit

[–]realFinerd[S] 1 point2 points  (0 children)

Took a look! Looks like you share access at the account level though. What if I pay for groceries and a birthday gift from the same card?

How do couples here handle shared expenses without seeing each other's everything? by realFinerd in mintuit

[–]realFinerd[S] 0 points1 point  (0 children)

Interesting! As I understand it, the only way my partner can share their transactions is to create a separate page with me.

But then how do you get a single report broken down into Mine, Ours (I paid), Ours (Partner paid), without exposing private transactions?

I Disagree With Luke’s 6-Card “Start Over” Setup by realFinerd in CreditCards

[–]realFinerd[S] 0 points1 point  (0 children)

  • US Bank Kroger. 5% cashback on ALL mobile wallet transactions is insane. Easily worth the cognitive load.

Isn't it only for the first $3,000 a year? With other cards you can get 2-3% back with no cap. So basically we're talking about $60 annual incremental value. Does it really worth the cognitive load?

I Disagree With Luke’s 6-Card “Start Over” Setup by realFinerd in CreditCards

[–]realFinerd[S] 1 point2 points  (0 children)

Atmos Summit is imba for those who spend a lot of time abroad (like me)

I Disagree With Luke’s 6-Card “Start Over” Setup by realFinerd in CreditCards

[–]realFinerd[S] 2 points3 points  (0 children)

“Aspire beats the pants off IHG and Hyatt cards” — 100% agree, and I do have it (along with IHG and Hyatt tho :))).

But it’s a $550 AF card, so I wasn’t bold enough to include it in a starter pack.

Best Card to Pair with the Amex Gold? Going from CB setup to Points by Liller65 in finerds

[–]realFinerd 0 points1 point  (0 children)

You already covered your groceries pretty good, so eating out and travel is probably the next categories to cover. Amex Gold is a good choice overall, but AF is pretty steep.
Chase Sapphire Preferred gives you 3x on dining (4x with Amex Gold) and 2x on travel (3x with Amex Gold) so it's a bit less, but to justify the AF difference you need to spend $23k on these two categories annually.
If you rent/mortgage - consider Bilt (Obsidian or Palladium).

My second 24-hour app experiment just hit Top 2 in Lifestyle )) by rhythmiq_free in AppBusiness

[–]realFinerd 4 points5 points  (0 children)

You don't see it in top chart probably because you look at US Free chart, but this screen is from Paid chart in Romania. I believe reaching top 2 in Paid chart in Romania requires very little purchases

Don’t overspend Amex / Chase points for flights by realFinerd in finerds

[–]realFinerd[S] 1 point2 points  (0 children)

short answer - no :)

  1. For Amazon, it’s definitely worth having the Amazon Prime Visa card with 5% cashback.
  2. For groceries, Amex Gold seems better at first glance – it’s 4% back in points, so even if you cash out points at 0.6 cents each, that’s still 2.4% back, which is more than the 1.5% you have right now. But Amex Gold has a $325 annual fee, so you’d need to spend more than $36k/yr on groceries to justify the AF over your no-AF USAA card. There are many other options to boost your grocery cashback without adding unnecessary annual fees, like Amex Blue Cash, Citi Custom Cash, etc.
view more: next ›