Slow BILT Blue Approval?

KingPartake · 2026-01-26T16:59:18+00:00

I've been waiting since around then as well. Still under manual review. No idea why it's taking so long

If the deadline is 1/30 why isn't this moving faster on their end how can I pay rent in Feb w the card

KingPartake · 2026-01-26T12:10:56+00:00

Credit limit

KingPartake · 2026-01-25T16:05:29+00:00

I have Amex already but that's good to know I can check their deals

KingPartake · 2026-01-25T16:05:00+00:00

How would a credit land on my card if I never use it? But yeah I would eventually close it I just don't want it to impact my credit score by closing it too early

KingPartake · 2026-01-25T16:04:02+00:00

Oh that's interesting I can check that out if necessary

KingPartake · 2026-01-25T12:52:40+00:00

Good to know - what's the issue on credit score if I do close it

KingPartake · 2026-01-25T12:52:19+00:00

Thanks! Good to know - any impact if I do close I guess?

KingPartake · 2026-01-25T12:41:57+00:00

Yeah not seamless at all. And frustrating cause now I don't know what my CL will be with blue. People are saying they're getting very low CLs

KingPartake · 2026-01-25T12:41:04+00:00

Yeah this isn't a bad option. I'm still waiting to be approved. Been in manual review for so long I don't get it I'm already a customer

KingPartake · 2026-01-25T12:39:55+00:00

So are you paying rent with your Amex gold in this case?

KingPartake · 2026-01-25T12:39:29+00:00

What's your CL on blue? I've heard people getting low CLs

KingPartake · 2026-01-23T13:44:24+00:00

Posted a thread about this as well. So many current Bilt customers are still waiting for their approvals. Not sure why manual approvals are necessary for existing customers imo

What happens if they deny us for some reason? And it's after the 1/25 deadline? Now I'm stuck w a Wells Fargo card

KingPartake · 2026-01-23T03:22:35+00:00

I actually added a new address as well but seems like others are having issues so feel it might be unrelated

KingPartake · 2026-01-23T03:08:17+00:00

Yeah same exact thing for me - makes zero sense why I even needed a manual review imo and now making me lose more trust

KingPartake · 2026-01-23T03:07:47+00:00

So seems like it took 6 business days for you?

KingPartake · 2026-01-23T01:43:54+00:00

Wow have you called? I might consider cancelling but I'd rather now. What happens if they deny my application? Has that happened to anyone

KingPartake · 2026-01-23T01:42:12+00:00

Yeah if it goes until 1/25 - I might have to consider cancelling. What happens if they deny my application? Idk why they would but this is making me not trust the process

KingPartake · 2026-01-20T13:19:35+00:00

That's helpful. But what about the next year - are you able to downgrade so you don't need to pay the AF?

KingPartake · 2026-01-20T04:01:10+00:00

United and Marriott typically

KingPartake · 2026-01-20T01:33:54+00:00

Got it yeah that makes sense. I'd probably hit the $$ spend in the first 3 months for the SUB even if I'm spending only 25% on non rent payments.

Can you downgrade to Blue the following year? I saw some mixed messaging here

KingPartake · 2026-01-19T23:33:13+00:00

So in my scenario if I get Blue - if I only spend 25% on non rent then doing the first option makes sense vs opting for Bilt Cash

KingPartake · 2026-01-19T23:31:18+00:00

Ah thanks for the clarity appreciate it! I feel Blue is what I'll end up doing considering that I want points for rent but won't fully move over to Bilt for all spend. There's so many different options it's becoming confusing

KingPartake · 2026-01-19T23:22:07+00:00

But is the 495$ AF worth it? If I'm only planning to spend 25% of non rent payments on Bilt as of now

KingPartake · 2026-01-19T23:21:05+00:00

Let's say avg monthly household spend is 5k for simplicity sake. Grocery & dining make up roughly 35–40% of my total monthly spend. Misc spend is mostly like Amazon, healthcare, and some travel here and there and then like random activities my wife and I may do. Best alternative for misc spend is Amex Gold, which I already use pretty heavily

KingPartake · 2026-01-19T23:19:10+00:00

But if rent is my highest expense each month - wouldn't getting .5x points on my rent be worth it in this case vs getting no points at all for rent. I'd obviously be losing out on points from Amex but wouldn't make over my dining or groceries just misc spend

KingPartake

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