BOCVIP13m ago
Utilization Rate on a Secured CC https://www.bocvip.com/1201915/utilization-rate-on-a-secured-cc/ #CreditCards
Utilization Rate on a Secured CC - BOCVIP

Does utilization rate matter if you are working on unsecuring your secured credit card?

BOCVIP
BOCVIP52m ago
[Strategy Check] SFO-based Family Pivot: Chasing Hyatt for a Family of 4 (2026 Strategy) https://www.bocvip.com/1201872/strategy-check-sfo-based-family-pivot-chasing-hyatt-for-a-family-of-4-2026-strategy/ #CreditCards
[Strategy Check] SFO-based Family Pivot: Chasing Hyatt for a Family of 4 (2026 Strategy) - BOCVIP

Goal: Pivot from Amex Platinum/Luxury Resorts (FS, Rosewood) to the Chase/Hyatt ecosystem. Now that we have 2 kids under 4, we need the space/value of Hyatt

BOCVIP
BOCVIP1h ago
I want that Citi custom cash so bad https://www.bocvip.com/1201829/i-want-that-citi-custom-cash-so-bad/ #CreditCards
I want that Citi custom cash so bad - BOCVIP

I've applied three times to Citi custom cash lmao. I apply, I get rejected, I wait 6 months. I thought third time's the charm but that's not

BOCVIP
BOCVIP2h ago
Is cash back better than points now? https://www.bocvip.com/1201778/is-cash-back-better-than-points-now/ #CreditCards
Is cash back better than points now? - BOCVIP

Is anyone else at the age where the point game doesn’t seem worth it over a simple 3% cashback on robinhood gold or another catch all? I’ve had some

BOCVIP
BOCVIP2h ago
Chase Sapphire x WHOOP: a few things worth knowing before you activate https://www.bocvip.com/1201732/chase-sapphire-x-whoop-a-few-things-worth-knowing-before-you-activate/ #CreditCards
Chase Sapphire x WHOOP: a few things worth knowing before you activate - BOCVIP

Saw the new WHOOP offer drop for Sapphire cardholders today and went down the rabbit hole. Figured I'd share what I found since there are some gotchas

BOCVIP
BOCVIP3h ago
Best banks/issuers if you’re spending time abroad https://www.bocvip.com/1201680/best-banks-issuers-if-youre-spending-time-abroad/ #CreditCards
Best banks/issuers if you’re spending time abroad - BOCVIP

Trying to optimize our setup as a family that splits our time between the US and Europe. This is not a discussion about foreign transaction fees, eliminating

BOCVIP
BOCVIP4h ago
BMO just closed my credit card (Canada) https://www.bocvip.com/1201619/bmo-just-closed-my-credit-card-canada/ #CreditCards
BMO just closed my credit card (Canada) - BOCVIP

I hope everybody’s doing well.

BOCVIP
BOCVIP4h ago
Kroger rewards mobile wallet https://www.bocvip.com/1201552/kroger-rewards-mobile-wallet/ #CreditCards
Kroger rewards mobile wallet - BOCVIP

Hi! I recently got the Kroger Mastercard for 5x on purchases with mobile wallet. Now, I know the transactions show as 1x until the statement ends and then the

BOCVIP
BOCVIP5h ago
2025 Recap: my four-card cash back setup from BofA https://www.bocvip.com/1201494/2025-recap-my-four-card-cash-back-setup-from-bofa/ #CreditCards
2025 Recap: my four-card cash back setup from BofA - BOCVIP

I and P2 are deep into BofA ecosystem. P2 doesn't like to juggle too many credit cards, hence we have a relatively simple 4 card setup to cover our major

BOCVIP
BOCVIP6h ago
Paying 2 Rents with Atmos Card? https://www.bocvip.com/1201435/paying-2-rents-with-atmos-card/ #CreditCards
Paying 2 Rents with Atmos Card? - BOCVIP

I posted this in r/biltrewards, but couldn't seem to find a definite answer. Hoping the people or r/CreditCards can help me before I waste a hard inquiry

BOCVIP