System error leading to late payment fee
I have autopay set-up and usually it takes 2 business days for them to post the statement online from the scheduled date. So, with that being said, I received notification of payment being processed on Jan 3rd and on January 6th I yet didn’t see the charges on bank statement. I visited website and it showed next due rent for month of February and I was thought, this could be just taking longer this time to process the payment.
Two days later, payment not processed yet. I reached to support and they said it failed due insufficient fund which isn’t correct either. At least you could update your system so I wasn’t fooled by trusting Bilt Rewards. I asked for assistance to correct penalty fees since system is disguising but support team didn’t care and simply told me to deal with leasing office. Then, why are you a middle man!?
Two days later, payment not processed yet. I reached to support and they said it failed due insufficient fund which isn’t correct either. At least you could update your system so I wasn’t fooled by trusting Bilt Rewards. I asked for assistance to correct penalty fees since system is disguising but support team didn’t care and simply told me to deal with leasing office. Then, why are you a middle man!?
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Response from developer
Hey - thanks for reaching out. We apologize for the inconvenience and would like to look into what happened, as this isn’t a common experience for our users. Could you please send us an email at support@biltrewards.com so we can troubleshoot this for you? Thank you! - Theo
Poor quality product; useless customer support
Got the card some time back and just had my first rent payment come about. Tried to pay, and got an email saying that the transaction failed due to balance restriction. Ok, fair enough, no biggie. I reached out to customer service to ask if this means that this transaction will not go through no matter what now, and they assured me that that is the case. Ok, great! I turned on the debit feature that draws automatically from my debit account and paid my rent again - smooth sailing, everything goes through. I’m checking my checking account a few days later to see that both charges went through, and that I had paid rent twice. Great!
I reach out to customer support asking them why they deceived me and they basically feed me nonsense about “oh well it tried again after you turned on the debit pay” - remember, I asked if I can safely assume the transaction won’t go through no matter what.
As a consolation prize they offered me some measly 1,000 points (which is less that the $ interest I would’ve earned on my rent amount that I ended up paying a month in advance essentially cause of their double pay.
Useless customer support and non-intuitive product hidden behind a shiny UI.
I reach out to customer support asking them why they deceived me and they basically feed me nonsense about “oh well it tried again after you turned on the debit pay” - remember, I asked if I can safely assume the transaction won’t go through no matter what.
As a consolation prize they offered me some measly 1,000 points (which is less that the $ interest I would’ve earned on my rent amount that I ended up paying a month in advance essentially cause of their double pay.
Useless customer support and non-intuitive product hidden behind a shiny UI.
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Response from developer
Hey, we appreciate you sharing honest feedback about your experience. We’d like to make sure any issues you’ve experienced are resolved. Could you email us at support@biltrewards.com so we can prioritize support for your account and gather additional feedback? Thanks! - Theo
Best credit card out there for anyone who rents
You can get up to 50 days to pay your rent interest free plus earn points on your rent payments. There’s also double points on the first day of the month bonus points on the first day of the month as well as multiple points on various categories, which can also be doubled on the first day of the month there are probably more valuable points out there, but there is no other way that I’m aware of that you can get float on your rent as well as earning points. Just make sure to pay it off so you don’t end up paying interest on your rent
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Response from developer
Hey, we’re so glad to hear you’re loving the Bilt app! Thanks for sharing more about your experience with Bilt. - Theo
Love the Card, Don’t like the App
Long story short, the card is fantastic- but the app is just okay. My first complaint is that I want to see the page with my card’s balance (the Wallet tab) when I first open the app, but instead it takes you to Bilt’s Rewards tab, which is annoying and kind of confusing. Especially considering the Rewards tab looks like some social media home page and not an actual credit card app. My second complaint is that it stops your music (assuming you’re listening to music) when you first open the app, which is annoying too. My main gripe though is that I can’t really customize my notifications with the app- I don’t want to be texted and emailed each time I do something, like make a payment towards my balance or pay my rent, and I wish I could change those settings in the app. I’m sure the app is in its infancy stages, but the user experience is a bit mediocre.
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Response from developer
Hey panamericann, We appreciate you sharing your honest feedback and have provided it to our product team. Thanks! - Theo
Unable to Apply for Card
I was denied for my first application since my credit was frozen. I called and was asked to unfreeze it for 24 hours. I did, but they tried to pull after the 24 hour mark (note, they need a 72 hour unfreeze, despite being told by wellsfargo 24 hours). After I tried to reapply, but there is no option too. The apply button disappears. I looked it up and other users reported being told to open an account with a different email. I attempted to do so, but you cannot re-use the phone number. I asked support to delete my old account, they did not delete by deactivated it. Meaning my number is still being used, and I cannot open a new account. Now I’m stuck, and can’t sign in and can’t apply.
Update: Bilt Support has been trying to resolve the issue over the last week. They have not been able to resolve it yet, but they have been very diligent and customer friendly.
Update: Bilt Support has been trying to resolve the issue over the last week. They have not been able to resolve it yet, but they have been very diligent and customer friendly.
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Response from developer
Hey - thanks for reaching out. We apologize for the inconvenience and would like to look into what happened, as this isn’t a common experience for our users. Could you please shoot us an email at support@biltrewards.com so we can troubleshoot this for you? Thank you! - Theo
Unable to Apply for Card
I was denied for my first application since my credit was frozen. I called and was asked to unfreeze it for 24 hours. I did, but they tried to pull after the 24 hour mark (note, they need a 72 hour unfreeze, despite being told by wellsfargo 24 hours).
After I tried to reapply, but there is no option too. The apply button disappears. I looked it up and other users reported being told to open an account with a different email. I attempted to do so, but you cannot re-use the phone number. I asked support to delete my old account, they did not delete by deactivated it. Meaning my number is still being used, and I cannot open a new account. Now I’m stuck, and can’t sign in and can’t apply.
After I tried to reapply, but there is no option too. The apply button disappears. I looked it up and other users reported being told to open an account with a different email. I attempted to do so, but you cannot re-use the phone number. I asked support to delete my old account, they did not delete by deactivated it. Meaning my number is still being used, and I cannot open a new account. Now I’m stuck, and can’t sign in and can’t apply.
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Response from developer
Hey - thanks for reaching out. We apologize for the inconvenience and would like to look into what happened, as this isn’t a common experience for our users. Could you please shoot us an email at support@biltrewards.com so we can troubleshoot this for you? Thank you! - Theo
Good idea, execution can be improved
Being able to accumulate points on rent is a greatl idea. However, it is hard to use the points efficiently. I tried to use the points to buy an airline ticket. It turns out Bilt uses Expedia which totally messes up my reservation and I had to spend hours fixing it. This is not totally Expedia’s fault, but part the airlines’ which actively undermine these third party services. The bottom line, I was sold a Delta flight to Italy and paid extra to have the seats assigned, but then I could not get the seat assigned because the carrier was actually another company and it would not honor seat assignment on a ticket soled by Delta.
Bilt needs to switch to a better provider or develop its own. Right now I do not trust Bolt’s travel reservation system and I am switching in part to other cards.
Bilt needs to switch to a better provider or develop its own. Right now I do not trust Bolt’s travel reservation system and I am switching in part to other cards.
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Response from developer
Hey RockClimb, we appreciate you sharing honest feedback about your experience. We’d like to make sure any issues you’ve experienced are resolved. Could you email us at support@biltrewards.com so we can prioritize support for your account and gather additional feedback? Thanks! - Theo
The biggest pro but also a major con
Just having my rent automated and not needing to worry about remembering to write and drop off a physical check to my landlord every month is a HUGE win for my ADHD self. Plus I can earn points?! 😍 definitely recommend for those reasons, but….
Big BUT… the onboarding process where you need to make both a Bilt account *and* a Wells Fargo account and set up auto payments in two separate places was confusing. I didn’t realize I hadn’t paid the other transactions. My rent was auto-paying. I always set up autopay because, once again, ADHD. I had only charged like $150 to the card in 3 months so it wasn’t a significant amount that I noticed, until my credit score dropped 157 points. It’s been an absolute nightmare trying to fix this.
I was able to get the late fees refunded after several phone calls of Bilt and Wells Fargo passing me back and forth like a game of telephone ping pong not sure who was supposed to handle what, but no short term solution to revive my credit yet. Hopefully it rebounds by the time I need it for something (glad I decided to wait to buy a car). Turns out my SS number was typo-ed somewhere in the setup process and now I need to go into a Wells Fargo to gain access to my account, which is only open while I’m working 🫠
So be careful! Take your time to do the setup process. It’s definitely worth it if you do it right, but it’s pretty confusing and can have MAJOR consequences if you don’t set it up right.
Big BUT… the onboarding process where you need to make both a Bilt account *and* a Wells Fargo account and set up auto payments in two separate places was confusing. I didn’t realize I hadn’t paid the other transactions. My rent was auto-paying. I always set up autopay because, once again, ADHD. I had only charged like $150 to the card in 3 months so it wasn’t a significant amount that I noticed, until my credit score dropped 157 points. It’s been an absolute nightmare trying to fix this.
I was able to get the late fees refunded after several phone calls of Bilt and Wells Fargo passing me back and forth like a game of telephone ping pong not sure who was supposed to handle what, but no short term solution to revive my credit yet. Hopefully it rebounds by the time I need it for something (glad I decided to wait to buy a car). Turns out my SS number was typo-ed somewhere in the setup process and now I need to go into a Wells Fargo to gain access to my account, which is only open while I’m working 🫠
So be careful! Take your time to do the setup process. It’s definitely worth it if you do it right, but it’s pretty confusing and can have MAJOR consequences if you don’t set it up right.
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Lost cryptocurrency recovery
I was so impatient to carry out necessary research but i really wanted to jump on the crypto trading and investment buzz. Unfortunately for me, I invested 80,000 GBP worth of bitcoin with a fraudulent company. I was happy to watch my account grow to 280,000 GBP within a couple of weeks. But i didn't realize i was dealing with a scam company, until i tried to make an attempt to withdraw. I made a withdrawal request, and noticed my account was suddenly blocked for no apparent reason. I tried contacting customer support, but all to no avail. I needed my money back at all cost, because i could not afford to let it go. So i tried all possible means to make sure i recovered my scammed bitcoin. I did a lot of online search for help, and tried to see if there were other people who had any similar experience. I stumbled upon a cryptocurrency forum were a couple of people mentioned that they had been through the same process but were able to recover their lost cryptocurrency, funds with the help of itech koa. So i file a report and he was able to help me get back all my lost funds within two weeks. I will recommend anybody who wants to recover scammed bitcoin, stolen cryptocurrency, funds lost to binary options forex, investment and any other form of online scam, reach out to itechkoa@Gmail.
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A small problem
I just got BILT so I can earn points on my rent payments. I’ve run into a small issue though, I received an email notification that my card arrived in the mail when in fact it hasn’t. I then received a notification that I would be able to earn 5x the points if I make 5 transactions within 5 days but I don’t have the physical card yet. I was however able to add the card to my Apple Pay so I can still use it that way. There also isn’t an option in the email to notify Wells Fargo that my card did not actually arrive or that there is a delivery issue, that would be really nice. I have that option in the emails from other credit card platforms I use. Other than that, BILT is a great idea and I look forward to using BILT more often!
Just a small problem, thanks!
Just a small problem, thanks!
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Response from developer
Hey Euro to, thanks for flagging this. Are you still running into these app issues? If so, we’d be happy to get this resolved! Could you send an email to support@biltrewards.com so we can take a look for you? Thanks! - Theo
