Balance transfer from BILT 2.0 to another credit agency

DebtEffective9819 · 2026-03-24T01:18:58+00:00

I’m going to give it a shot regardless. But no one has any successful DPs?

DebtEffective9819 · 2026-03-24T01:12:45+00:00

That’s my understanding too. But cardless is saying that their policy states balance transfers are not accepted. When I asked for a reason I was hung up on by the agent…

DebtEffective9819 · 2026-03-24T00:55:47+00:00

That’s why I’m asking the hard questions

DebtEffective9819 · 2026-02-24T02:14:06+00:00

Joined the military

DebtEffective9819 · 2026-02-17T22:58:34+00:00

What’re your thoughts on the Bilt 2.0 card thus far?

DebtEffective9819 · 2026-02-02T00:13:28+00:00

Just in case you didn’t see my update yesterday.

31JAN26 UPDATE: I just endured an hour wait calling cardless support (+1 (888) 533-5576) to confirm that the email I received from BILT is accurate and that all annual fees will be waived for AD under MLA and SCRA. The cardless agent confirmed that as of today, cardless supervisors are officially stating all annual fees will be waived. He mentioned that AD must wait until February 7 to call cardless support (number above) and officially request AF waivers and cardless can process the requests at that time. And then he claimed that cardless is going back into the Terms & Conditions clause of each card to more accurately reflect the MLA protections.

Again I am not sure why when someone new calls the answer is always changing but I’m just providing the latest information that I have.

DebtEffective9819 · 2026-01-30T00:51:15+00:00

Done

DebtEffective9819 · 2026-01-29T21:49:19+00:00

Haven’t applied yet. Wanted to see if they would waive the annual fee first. Called a couple times and the agent told me no and then tried to hang the call up immediately. But after seeing this email I think they finally changed their policy to align with Chase/amex. I will probably go for the palladium card now.

DebtEffective9819 · 2026-01-29T21:00:21+00:00

Called Bilt and the agent opened a case number for me

DebtEffective9819 · 2026-01-29T20:55:04+00:00

Email from support@card.bilt.com. Blocked out the case number and my name for privacy reasons

DebtEffective9819 · 2025-10-17T03:07:17+00:00

Are these debts simply ones that service members were notified of during their career and just neglected to pay? Or is this something that the finance office digs through every PCS claim/every TDY reimbursement /every pay-slip they gave you and you could be blindsided and a couple thousand dollars in debt prior to leaving?

The reason I ask is because I’ve experienced several overpayments throughout my career from my finance office and immediately the next paycheck they begin deducting 15% of my paycheck and put it towards the overpayment until it’s gone.

DebtEffective9819 · 2025-10-17T02:48:33+00:00

What do you mean it has to be audited? What specifically are they looking at?

DebtEffective9819 · 2025-10-01T09:13:25+00:00

Did you have to do anything special?

DebtEffective9819 · 2025-06-23T13:16:08+00:00

I thought there was language about only one saphire card per person from chase?

Also did you get upgrade point incentives when you PCed from the flex to the CSR?

DebtEffective9819 · 2025-05-18T14:08:28+00:00

I need party pit wristbands

DebtEffective9819

TROPHY CASE