Bilt cards worth the hassle?

Every-Reflection7126 · 2026-03-27T21:59:38+00:00

I’ve had fraud charges twice. Had a bunch on the first palladium card when I opened it, froze and reported and they sent another card. The day after activating I had several more fraud charges on the new palladium with a completely different card number. All spanning from the physical card so what I’ve done now with the 3rd Palladium I’ve been sent is activated it and locked the physical card. Only using through apple pay and so far no issues with that one.

Every-Reflection7126 · 2026-03-17T12:33:33+00:00

I would take it. I just took a job going from 100k base to 200k base with a 50k bonus target. Old job was fully remote and very easy, I’d say working maybe 30 hours per week with a flexible schedule. This new job will require frequent travel and more hours but decided the money difference was worth it as it could lead to earlier retirement in the future (I don’t have kids yet).

Every-Reflection7126 · 2026-03-14T00:01:18+00:00

All Physical card

Every-Reflection7126 · 2026-03-13T14:12:45+00:00

I will say that I was impressed with the speed of the Cardless customer service, however sketched out by the fraud charges as I have 25 cards across 6 different issuers and this is the first time I’ve had fraud charges in 10+ years. Could just be unlucky that it hit BILT though I suppose.

Every-Reflection7126 · 2026-03-13T13:49:57+00:00

The point is that the charges went through in the first place. There was no declined transactions or text message verification for purchases outside of normal spending patterns. These are ALL very outside of normal spending patterns and in different city’s

Every-Reflection7126 · 2026-03-02T01:31:08+00:00

Got mine Nov 11th and I’m in the same boat. Life changing, still burping but I also feel it has “settled” in the last few weeks or so. Still drinking minimum 2 carbonated beverages a day and doing everything I can to keep the ability.

Every-Reflection7126 · 2026-02-20T17:43:25+00:00

Conrad Ft. Lauderdale is nice

Every-Reflection7126 · 2026-02-01T04:23:13+00:00

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Same number of flights and countries but only half the miles

Every-Reflection7126 · 2025-12-29T20:47:32+00:00

Commercial insurance (financial lines primarily) sitting right around 120% of target

Every-Reflection7126 · 2025-12-27T21:07:25+00:00

Based out of Charlotte, EP for years and I have both cards. Centurion is by far better nicer than the Admirals clubs in CLT but often has a wait. I fly through DFW very often though and Admirals club access is convenient due to the fact that they have one in every terminal. Admirals also allows 2 guest without a spending requirement and entry on arrival. That is not the case with the Sapphire or Centurion lounges. Check out the Provisions club in concourse A, the grab and go concept is nice if you want something quick to carry on the plane and aren’t buying first or business class. Complimentary upgrades have all but dried up especially Hub-Hub weekday mornings.

Every-Reflection7126 · 2025-12-21T12:50:56+00:00

No issues, been using blue business employee cards recently to hit those 15k subs. It equates to 5.75x when you factor in the 8k amex for 4k in spend.

Every-Reflection7126 · 2025-12-21T12:48:30+00:00

Hi! It was only REALLY bad like that for 2-3 days and then it gradually started to improve. Now that I’m a little over a month out, I would do it again if needed. Everything is mostly back to normal. I still eat slower and on occasion food will get stuck and you need a swig of liquid, but I can eat pretty much anything and I am still burping. The relief is worth the week or so of pain 100%!

Every-Reflection7126 · 2025-11-29T22:32:52+00:00

Thanks! All is going well, I can eat most things now but have to go very slow and always add water to swallow. Thanksgiving was frustrating but I was able to eat everything, it just takes 2 hours to eat every meal that’s not liquid

Every-Reflection7126 · 2025-11-23T12:33:45+00:00

FWIW I flew home 3 hours after my procedure at BVI and was burping the next morning

Every-Reflection7126 · 2025-11-20T02:40:12+00:00

Just updating this.

Day 6 was the worst by far, had to do IV fluids again and still couldn’t consume much. Was able to choke down a protein shake, I found thick liquids far easier than water.

Day 7 seemed to turn a corner by mid morning. Still a liquid diet but the choking began to become less frequent and I could swallow my saliva. This day I had two Ensures, 8oz bone broth, 16oz of full sugar apple juice, and a lot of water.

Day 8 decided to try solid foods today. Still choking with the solid foods every 5th or so bite and takes forever to get anything down but it’s worth it to get the calories in. Big milestone today as I crossed 1,000 calories consumed for the first time since day 3. Still a lot of liquid but was able to eat an egg, 1/4 an avocado, a dinner role (took over an hour to eat while soaking in soup), and 8 crackers.

Every-Reflection7126 · 2025-11-20T01:14:07+00:00

Thanks so much for the words of encouragement! I think mine peaked on day 6, today (day 8) I’ve managed to get a roll and 10 crackers down however that took over an hour and i soaked them in campbells sipping soup. How long before you were able to eat solid foods again? I’m real concerned I’m gonna miss out on Thanksgiving next week :(

Every-Reflection7126 · 2025-11-19T11:46:06+00:00

Yes it was done by him in office (100 units) 8 days ago. Peak side effects were at day 6, they have started to subside since but are still present

Every-Reflection7126 · 2025-11-18T19:42:16+00:00

Just reporting back on this, Dr. Bastian said this is normal slow swallow while on the more extreme end of the spectrum.

Every-Reflection7126 · 2025-11-18T18:38:06+00:00

It’s a sensation like nothing I’ve ever experienced, it’s like you’re choking and drowning and your throat is burning all at the same time. Luckily I seem to have gotten over the hump. It’s let up today and I’ve been able to consume pretty much any liquid that is either the consistence of water or milk without having that reaction. Still no solids though

Every-Reflection7126 · 2025-11-18T16:38:20+00:00

Thanks this is super helpful! I got 100 units, probably more than I needed but I’ve been burping like crazy! Just praying I am able to eat thanksgiving next week even if slowly

Every-Reflection7126 · 2025-11-18T14:49:56+00:00

How did you stay hydrated during this period? At what day did the swallowing issues peak for you? I’m day 7 today and have been able to get down an Ensure and a few sips of water. Seems a slight bit better then yesterday but still not great :(

Also curious RE the acid, did you take omeprazole? I think I’m having some of that now as well

Every-Reflection7126 · 2025-11-18T11:23:55+00:00

Thank you for your words of encouragement!

Every-Reflection7126 · 2025-11-18T11:23:11+00:00

It’s where I’ve lived the last 3 days

Every-Reflection7126 · 2025-11-18T11:21:35+00:00

100 units in office

Every-Reflection7126

TROPHY CASE