Robinhood Gold Credit Card Account Got Closed

They got me after 3 months. Spent 66k on it for 191k points redeemed.

Did they give a reason?

Kyle said:
Did they give a reason?

Notice about your Robinhood Gold Card account

Unfortunately, we’ve decided to close your account. Your recent transactions were flagged for abuse of the Robinhood Gold Card rewards program. Business expense transactions aren’t supported and can’t be paid with your personal credit card.

@Blaise
Too close to the sun?

Wes said:
@Blaise
Too close to the sun?

Bought too many iPhones I guess. I’m pretty sure they just closed anyone who spent over a certain amount because I know two others who just got hit with closures too.

@Blaise
What are you doing with the iPhones? What’s your cost of churn? A 3% reward rate is hard to capitalize on with that method of churn so I’m curious.

LiamCreditWizard said:
@Blaise
What are you doing with the iPhones? What’s your cost of churn? A 3% reward rate is hard to capitalize on with that method of churn so I’m curious.

I bought about 6 on my Robinhood card, and 84 more of them to resell to bulk international shippers on Amex Biz Gold for the 150k 4x. I did a few on Robinhood because I was worried I would get a financial review at over 100k pending transactions. My margins were roughly 10% from phone sales and cash back.

@Blaise
Well yeah, honestly that sounds like abuse of the credit card rewards.

Wolf said:
@Blaise
Well yeah, honestly that sounds like abuse of the credit card rewards.

No you don’t understand whatever Robinhood does is bad even if it’s the same thing any other company would do.

@Blaise
What was your purchase price versus sale price (inclusive of fees and taxes)?

LiamCreditWizard said:
@Blaise
What was your purchase price versus sale price (inclusive of fees and taxes)?

1270ish for 256 Pro Max purchase, 1360 for sale. 1490 for 512 PM purchase, 1520 sale. +4% cash back on Amex Biz Gold.

@Blaise
Why are people overpaying for iPhones overseas?

Caiden said:
@Blaise
Why are people overpaying for iPhones overseas?

US gets more supply and earlier release dates than some countries. Probably just for clout. Only profitable the first week.

Caiden said:
@Blaise
Why are people overpaying for iPhones overseas?

International pricing for Apple products is insane sometimes. A 256gb Pro Max is over 1600 in the UK. So if that UK buyer can avoid VAT somehow too, then 1360 is a good deal.

@Blaise
Isn’t the Apple Card 3% for Apple purchases? Why use 3% Robinhood on Apple products?

@Blaise
Dude, 90 iPhones?! I don’t even blame them for closing your card.

AffinityCard4 said:
@Blaise
Dude, 90 iPhones?! I don’t even blame them for closing your card.

Only 6 with Robinhood, but I don’t blame them either.

@Blaise
How do you ship these to international destinations to guarantee that it will reach there without any customs issues? Just curious as a business enthusiast.

Blue said:
@Blaise
How do you ship these to international destinations to guarantee that it will reach there without any customs issues? Just curious as a business enthusiast.

I don’t know lol. I sell them to someone else who does. I’m the middle man for a middle man.

@Blaise
Did you already have the clients lined up or did you just buy them as you got orders?