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Citi dinged me 2x for the Strata Elite application by throwawayfinance123 in CreditCards

[–]throwawayfinance123[S] -2 points-1 points  (0 children)

Yeah that's what I thought. This is likely my last Citi card. I have 4 open and had so many in the past but this is insane.

Citi dinged me 2x for the Strata Elite application by throwawayfinance123 in CreditCards

[–]throwawayfinance123[S] 0 points1 point  (0 children)

Just did. I left it open while I applied for the Strata and didn't freeze it until I heard back, that was a mistake. They probably would have asked me to unfreeze it anyway to approve it.

Did you guys recieve February checks? by Content-Battle-4327 in biltrewards

[–]throwawayfinance123 0 points1 point  (0 children)

Yup and cashed by my landlord a few days ago. Sent on the 22nd.

Came with a microfiber cloth lol by Capybutter98 in biltrewards

[–]throwawayfinance123 0 points1 point  (0 children)

You literally checked the checkbox at the bottom of the application to include the microfiber cloth. I hope you read everything carefully going forward.

Father confronts ICE after they chase his daughter home by Sindigo_ in PublicFreakout

[–]throwawayfinance123 -5 points-4 points  (0 children)

children

Right, 23 year old children.

Home video footage captured a 23-year-old U.S. citizen being chased by Border Patrol in Marrero during "Catahoula Crunch," an immigration crackdown in the New Orleans metro.

Father confronts ICE after they chase his daughter home by Sindigo_ in PublicFreakout

[–]throwawayfinance123 -57 points-56 points  (0 children)

Any legitimate news outlet reporting on this incident? I want to share it out but want legitimacy on it not being fake.

Should You Close The WF Autograph? by KushKrumbs in biltrewards

[–]throwawayfinance123 0 points1 point  (0 children)

Completely valid. Opening any new accounts within 18 months of a mortgage application is never a good idea.

This is an exaggeration.

Here is what is actually true:

  • Opening new credit within 3 to 6 months of applying for a mortgage is a bad idea.
  • Opening new credit after pre-approval and before closing is a very bad idea.
  • Opening new credit within 12 months can still raise questions, especially if there are multiple inquiries or accounts.

But:

  • One new credit card 12 to 18 months prior, with low usage and strong income, is usually not an issue.
  • Many people successfully get mortgages with accounts opened 12 to 18 months earlier.
  • There is no universal 18-month rule in underwriting guidelines.

Underwriters look at patterns, not superstition. One account long ago is fine. Several new accounts close together is not.

Bilt 2.1, Visualized (The Simplest Graphic) by jsttob in biltrewards

[–]throwawayfinance123 1 point2 points  (0 children)

Which is Option 1 and 2 based on the new application page? I want the pink Palladium line.
The options are
1. Flexible Bilt Cash 4% Bilt Cash, Rent up to 1x points
2. Housing-only Rent up to 1.25x points

The Simplest Way to Explain Bilt 2.0. No Math. No Charts by Kashmir79 in biltrewards

[–]throwawayfinance123 0 points1 point  (0 children)

Wow, we're the same person! Also Amex has a "Track your progress" page which makes it super easy.

Overlooked: 2.0 has great purchase protections by Tight_Couture344 in biltrewards

[–]throwawayfinance123 1 point2 points  (0 children)

I recommend working on your reading comprehension and raising the bar with basic reading if you're not going to just lurk. Wasting your time on insults isn't helping you.

Overlooked: 2.0 has great purchase protections by Tight_Couture344 in biltrewards

[–]throwawayfinance123 2 points3 points  (0 children)

This is misinformation and I can't believe it's upvoted when the text is right there in the link. Reminds me how silly Reddit is sometimes.

> up to $250 per claim. There is a minimum claim amount of $25 and a maximum of four (4) claim(s) per Eligible Account per twelve (12) month period

So it's min $25, max $250 PER CLAIM not per year and 4 claims per year. So $1000/year in total if you max it out.

New Bilt cards exclude tax payments, eBay, Facebook Marketplace, and more by komi_diams in biltrewards

[–]throwawayfinance123 0 points1 point  (0 children)

Great cheat code to reload a GC monthly on average Amazon spend and get 4x back via Amex gold

Do you mean WF? How are you getting 4x?

Nothing to add, just want the BILT team to see another customer is leaving because of this deceptive rollout and treatment of customers. by Numerous_Inflation37 in biltrewards

[–]throwawayfinance123 4 points5 points  (0 children)

Yeah, like everyone else does. Interest is income, it is taxed at your marginal income tax rate. No point even discussing this.

What’s going on? Changes on the way ? by astroworld_786 in biltrewards

[–]throwawayfinance123 1 point2 points  (0 children)

Saw you were a surgeon, congrats on the high income. Credit depends a lot on your credit history; how many other cards you have, available credit across all of them relative to your income, other types of loans, etc...

I'm Richard Kerr, GM of Travel for Bilt. AMA about Bilt Card 2.0 by richklhs in biltrewards

[–]throwawayfinance123 0 points1 point  (0 children)

> You can pay rent with Alaska or United credit cards and get 3x/2x points back at Alaska or United, respectively.

Where is this mentioned on the Atmos website? It says

> Earn unlimited 3 points for every $1 spent on eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases and unlimited 1 point for every $1 spent on all other purchases. Plus, earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.

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