The Curve and Bilt trifecta is not dead. it’s not really technically cancelled because there is a loophole to still do this god trifecta method. As a matter fact, it is true that you cannot link your Bilt credit card to the Curve app because then you cannot get the cash back benefits since it’s considered a third party wallet but you can still do the opposite by link the curve credit card on the Bilt app instead. And it does not affect the terms and condition because you’re doing it all on the Bilt app. Because a lot of people are forgetting that the Bilt app has a similar feature that curve does in a way. Because on the Bilt app on the bottom right corner, there’s a feature that called the bilt Wallet, which allows you to link other credit cards in the Bilt app and when you use the credit card that is link on the Bilt app it whatever cashback or eligible purchase, you get points goes towards the Bilt app too. Now the only thing is different is that you’re going to have to use the line of credit that is built on the Curve card which is the $500 but it will still works. So technically, the trifecta is still there you’re just gonna have to do the opposite loophole instead.
@SpencerJohnsonOfficial
Жыл бұрын
I appreciate the transparency in this one Calby. It seemed to be a fun ride with the Bilt + Curve combo and to see an issuer have to change their TOS because people like yourself found the loopholes is kinda cool tbh 🤣 Great video man!
@CalbyNg
Жыл бұрын
Too bad it couldn't continue 🥲 Appreciate you joining on the journey!
@themichaelw
Жыл бұрын
⚠Warning about Yotta card: Joshua Butler was denied for the World of Hyatt card and was cited 5/24 with the Yotta card. So it DOES count towards 5/24. ⚠
@joshua.butler
Жыл бұрын
Accurate
@AnthonyVenture
Жыл бұрын
Yes, originally it was a “loan”, then a “credit card”, then a “debit card”. So really, now that it’s a debit card, one would think it wouldn’t affect 5/24 but you NEVER know with Yotta, they could switch it up again and then BAM, retroactive 5/24 bump. Which is exactly what happened to Josh.
@joshua.butler
Жыл бұрын
@@AnthonyVenture Yeah, and to be clear, I have the Yotta debit card AND the Yotta credit card. The Yotta credit card is the one that shows up as a "secured credit card" on my credit report.
@WealthOfOpportunity
Жыл бұрын
“Yotta” know
@AnthonyVenture
Жыл бұрын
@@joshua.butlerSame, I have “both”, for me it shows up as an “Affirm” type of payment which is odd, but still shows up as the credit card on my Yotta app.
@truththeoryknowledge833
9 ай бұрын
I guess I’m late to the party 😂
@OfficialEricGao
Жыл бұрын
Rip God trifecta, it was fun while it lasted!
@CalbyNg
Жыл бұрын
For sure, Godzilla Trifecta though 👀
@jamesyu613
Жыл бұрын
I use my ccc with my curve card.
@CalbyNg
Жыл бұрын
Ooo nice! Getting that extra 1% back! Plus if anything ever codes incorrectly you can move it to the double cash; if you have that
@jamesyu613
Жыл бұрын
@@CalbyNg ya, nope cuz I have the WAC 2%
@ItsMeCJ
Жыл бұрын
I saw red flags all over this strategy and knew that Bilt would take action on this. At least they didn’t go as far as I thought they would’ve. I fully expected them to claw back all of your points and shut down your accounts to make an example, but thankfully, I was wrong. As for the Godzilla setup….you guys still promoting that in videos that have the potential to gain a lot of attention 😅.
@turtletrade
Жыл бұрын
I held off getting the Curve because I thought this would eventually happen. If they didn't have a hard pull in the US I probably would have tried anyway.
@Re3iRtH
Жыл бұрын
Same. I called it in the Discord server and on the videos when people were talking about the God Trifecta. I said this would be going away
@ac-ep4pr
Жыл бұрын
Curve card is a soft pull....
@AnthonyVenture
Жыл бұрын
For sure a day that will live on in Infamy… For sure, most called that it would be cancelled, but as someone said, at least it showed you can still be creative in the credit card game - and game the system to a degree. I’m happy I was able to use it for a couple of months, I earned enough for 1-2 Hyatt stays so not bad at all! Yotta combo though, that’s another one that’ll get patched very soon I feel haha. Edit: Love the quick outro on how you just moved. 😂
@JPBuffet
Жыл бұрын
All good things come to an end. I feel like issuers are watching our videos trying to see our next movies, conspiracy theory JP haha. Thanks for your update.
@CalbyNg
Жыл бұрын
Hahaha yeah it sure seems that way
@TheCreditFrog
Жыл бұрын
While this strategy was pretty cool in concept, I think it was controversial from the start. I’m not that surprised that it got shut down because it’s riding that fine line between a white hat and black hat strategy. Doing this strategy was going to come down to personal risk tolerance, just like buying gift cards from grocery stores with the Amex Gold. Glad no one’s account was shut down from this (that we know of)
@theyhateme2601
Жыл бұрын
Agree. Surprised it took this long.
@CreditOneSux
Жыл бұрын
It was too much 🧀 not to get shut down tbh! Glad some people were still able to take advantage of this tho!
@worldtravelventures
Жыл бұрын
Honestly,thats some of the many concerns I have about the Curve Card.I'll wait this one out until its had more time to work out these issues.irs a great concept,but if its not working then its useless
@CalbyNg
Жыл бұрын
I understand that; however, the other functions of the Curve card work fine. Honestly I don't think it's suppose to be used in this way, haha
@atm2022
Жыл бұрын
So do Bilt transactions no longer earn any points when used with the Curve card, or is it just the Rent Day bonus points?
@kazi1
Жыл бұрын
This is unfortunate
@Abdullahi_World
Жыл бұрын
You and Anthony are crazy. Let’s all pledge to not to involve Amex because I’m sure everyone wants to stay out of PUP (Pop Up Prison)😂🤣. Thanks for the update Calby
@CalbyNg
Жыл бұрын
Hey mannn, we're here to benefit the people! 🫡 Hahaha Amex won't let anyone take advantage of them lol
@geraldalves9107
Жыл бұрын
I'm going to sound like an a-hole but I'm kind of glad Bilt finally came down on this. I just got the Bilt card approved on Friday and I'm waiting for it to be mailed to me. I'll be damned if Bilt decided to take away rent day multipliers because folks were able to game the system via the curve card. Although perhaps if Bilt added another 3x multiplier like groceries, then maybe less people would feel the need to find these kinds of workarounds (Bilt, please add a 3x grocery multiplier eventually as well as a fitness/gym membership multiplier lol).
@CalbyNg
Жыл бұрын
Nah I understand your concern; that did seem like the only way to destroy the God Trifecta without changing the terms. Oh man if Bilt added 3x on groceries, the Amex Trifecta might be done, lol. And congratz on getting approved for the Bilt card!!
@OfficialChadsMoneyMinutes
Жыл бұрын
Well even though I did it wrong thanks for letting me know how it all worked before they squashed it
@LalitDevraj
Жыл бұрын
Looking forward to any potential answer to Curve changing how their transactions are coded Calby - thanks for making this update video in a super timely fashion and looking forward to using the Yotta card this way! :)
@Waz90
Жыл бұрын
Knew it would happen eventually. Bummer is Yotta not legal in my State.
@CalbyNg
Жыл бұрын
Yeahhh, fun while it lasted! Whaaaa?! Yotta is not legal?! I've haven't heard of that before
@Waz90
Жыл бұрын
@@CalbyNg yep. Tried to apply here in Nevada. Maybe because we're a gaming state without a lottery system. Goes against our laws. 🤷🏼♂️
@CesarJoel
Жыл бұрын
So, the Curve card is no longer your favorite card? Thanks for the update Calby! Keep up the great work 🫵
@KSlivinghappy
Жыл бұрын
I will consider unsubscribing. This video is informative. I disagreed with moving transactions to Bilt when I first learned of this method. I’m happy they stopped it. We also learned that you have not accepted the lesson because you share an option to continue the same practice. I do not agree with nor teaching of unethical/unjust transactional money/point currency movement.
@CalbyNg
Жыл бұрын
I understand your concern; however, I had a call with Bilt recently and they said it was fair game; as during the time it didn't go against their terms and conditions. Therefore in my own personal opinion I don't believe it is unethical. I personally see it as the same as buying a gift card at a grocery/office supply store or using the airline credit at United travel bank. Of course these are my opinions and you are free to have your own perspectives.
@kazi1
Жыл бұрын
Thank god I don’t have the bilt card to deal with their shenanigans
@SENDO-X
Жыл бұрын
This is why i waited to get the bilt card, honestly suprised it lasted 3 months since your video blew up
@crimsonk3178
Жыл бұрын
Felt like Bilt is still a good card for rent payments 🤐but def sucks that it can no longer work 2x with the curve card.
@Jiggy609
Жыл бұрын
Bilt is a great card with or without the trifecta
@SENDO-X
Жыл бұрын
@Jiggy609 not for me who has low rent payments. Plus, I'd rather use those rent payments to hit SUBs
@crimsonk3178
Жыл бұрын
Make sense@@SENDO-X
@ZXY-tg5ip
Жыл бұрын
I mean I am not surprised this happened. I felt like if this hidden and never talked about probably still would be a thing but I knew Bilt would do this soon. Just sucks.
@Nivlac169
Жыл бұрын
I knew this would happen. There is now way a merchant would give you benefits on something that you didn't use their credit card for. I'm wasn't going to waste my time on this card.
@CalbyNg
Жыл бұрын
I'm sure Curve pays Bilt the transaction fee; Bilt only had a problem with Curve and Rent day. I talked to a Bilt representative the other day and she said everything done was within our rights to do.
@Nivlac169
Жыл бұрын
@@CalbyNg well that's good. Thanks for confirming.
@MyWastedFantasy
Жыл бұрын
I sure hope , we can use the Curve again soon 😭
@911eVoX
Жыл бұрын
Haha ya'll gave up a 5/24 spot
@CalbyNg
Жыл бұрын
Not necessarily, if Chase doesn't pull Equifax in your state it shouldn't count towards your 5/24 status. Besides the Curve card is still useful in it's own right without the God Trifecta; you just have to have some imagination.
@MannyCovington
Жыл бұрын
NOOOOO
@ahnonamos
Жыл бұрын
“God (Trifecta) is Dead”. - Friedrich Nietzsche
@CalbyNg
Жыл бұрын
Hahahaha 🤣 I like that!!
@ImStillStealingSteel
Жыл бұрын
Another one. Ugh. God Trifecta was never a “thing”. Good riddens.
@CalbyNg
Жыл бұрын
Hahahha Danee just let it happened😛But for sure I understand your frustrations. I'm thankful they didn't shut down our accounts and get rid of Rent Day.
@ImStillStealingSteel
Жыл бұрын
@@CalbyNg - Lol. I hear ya. And yes, I am happy that ur acct is intact too. If it was part of Amex, yeah, they’ll definitely do that extreme shit. Lol
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