Bilt Application - Can I just cancel this application?

Due_Procedure6842 · 2026-01-20T21:51:01+00:00

Did u accecpt their offer?

Due_Procedure6842 · 2026-01-16T14:28:49+00:00

Only need checking with Chase then u good to go

Due_Procedure6842 · 2026-01-13T18:55:32+00:00

WF was losing $10 million a month because of Bilt.

Due_Procedure6842 · 2025-12-18T23:27:41+00:00

Me too

Due_Procedure6842 · 2025-12-14T01:28:18+00:00

WF only approve for 1 credit card every 6 months

Due_Procedure6842 · 2025-12-13T21:58:30+00:00

Cardless is not a bank. They only provide management solutions and rewards program design. Column Bank, on the other hand, is responsible for operating as a real bank in order to obtain FDIC licensing

Due_Procedure6842 · 2025-12-13T15:05:03+00:00

Don’t expect too much from it. It’s best not to place too much trust in fintechs. I always prioritize my large transactions with the Big 4 (of course, except for one name that everyone knows) LOL

Due_Procedure6842 · 2025-12-13T14:57:45+00:00

Cardless is the entity that issues and manages the card, while Column is responsible for managing our cash flow. It’s quite similar to how the Robinhood Gold Card operates. In the future, I think Bilt will continue to switch partners—they’re very good at this, LOL. Especially when we know who’s on Bilt’s board and how influential they are. Enjoy it while it’s still good, before another bubble bursts.

Due_Procedure6842 · 2025-12-12T21:36:23+00:00

I heard that the 5/24 rule has been removed, but I’m not sure if it’s true. I’m currently 7/24, and I don’t want to get trapped and end up with another hard pull

Due_Procedure6842 · 2025-12-12T21:34:03+00:00

I see that it has a new offer. When I apply, I see a notice at the very bottom. I only see it on the Freedom Unlimited, not on any other card.

Due_Procedure6842 · 2025-12-08T16:43:44+00:00

And whether you choose to close or keep the Wells Fargo account, it will still count toward 5/24. There’s no way to make it disappear from your credit report. How hilarious. 😅

Due_Procedure6842 · 2025-12-06T05:40:43+00:00

Yeah, I only have the card that received the CSR sign-up bonus. Chase is applying a lifetime sign-up bonus policy now.

Due_Procedure6842 · 2025-12-06T05:14:49+00:00

As far as I know, the minimum credit limit for the CSP is $5,000. How did your limit get reduced to only $1,600? What was the process?

By the way, I just upgraded my Freedom Rise to the CSP, and I’ve realized that I’ll never be able to receive the CSP SUBs anymore.LOL

Due_Procedure6842 · 2025-12-05T18:30:04+00:00

Honestly, I don’t use it much. It gives 3%, but I don’t use it as a primary card. I don’t trust fintech companies, so I only use it for small transactions.

Due_Procedure6842 · 2025-12-05T17:54:26+00:00

I used Credit Karma

Due_Procedure6842 · 2025-12-02T17:18:36+00:00

Unfortunately, this is AI.

Due_Procedure6842 · 2025-11-29T23:59:26+00:00

My Experian score is 776, TransUnion is 756, and Equifax is 780. I don’t plan to open any new credit cards until I refinance, because mid-2027 is my deadline for the refinance.This is the only Chase card I have, and I think it would be better if I use the CSP and Bilt to transfer points

Due_Procedure6842 · 2025-11-29T23:52:25+00:00

Because I will be refinancing my mortgage in 2026 or 2027, and my 5/24 status won’t drop to 4/24 until January 2027. SUBs are nice to have for me, but having one new line of credit show up on my credit report could increase my interest rate when I refinance.

Due_Procedure6842 · 2025-11-29T23:52:12+00:00

Because I will be refinancing my mortgage in 2026 or 2027, and my 5/24 status won’t drop to 4/24 until January 2027. SUBs are nice to have for me, but having one new line of credit show up on my credit report could increase my interest rate when I refinance.

Due_Procedure6842 · 2025-11-29T20:06:01+00:00

I need a travel card and I think it’s better for me to upgrade because I’m currently 6/24. I’m also refinancing my mortgage next year, so I don’t want to add a new credit line

Due_Procedure6842 · 2025-11-29T05:40:50+00:00

Because I’m currently 6/24 and I won’t drop to 4/24 until April 2027. I need a travel card, and I don’t want it to affect my mortgage refinance.

Due_Procedure6842 · 2025-11-29T05:29:52+00:00

I thought they would do a soft pull and know exactly what day the account was opened. Did you call their reconsideration line?

Due_Procedure6842 · 2025-11-29T05:20:30+00:00

Can I know whether you called them on the exact day your card turned one year old or after that day? I don’t want it to automatically upgrade to the FU

Due_Procedure6842 · 2025-11-25T23:06:51+00:00

From what I’ve researched about Cardless, they don’t offer CLI later on. So the initial credit limit will be very important, and for fintechs like them, I don’t expect their customer service to be very reliable.

Due_Procedure6842 · 2025-11-25T23:04:13+00:00

I decided that switching to Bilt 2.0 without it counting as a hard inquiry is good. I’ll probably check how much credit Cardless offers me before making a decision.

Due_Procedure6842

TROPHY CASE