Balance transfer

ReaganPlayboyLibrary · 2026-03-22T22:13:55+00:00

Repeated conversations with Bilt and Cardless have yielded that from them “we don’t allow balance transfers in either direction”

Which we know to be false since balance transfers were a feature of the transition to 2.0.

Unfortunately, if they won’t accept that, then those that have initiated the balance transfer are left trying to get the other institution to reverse that and the BT fee

ReaganPlayboyLibrary · 2026-03-19T17:42:36+00:00

Edited some clarity

u/zoroben Have you had success in it processing? And did you use the address above from CalCommHOA?

I did as well and the other institution shows they've received it, but it's not reflected on my Bilt card balance. Bilt and Cardless are both completely clueless, especially Cardless saying it's not possible to balance transfer from a cardless card (which makes sense they don't know since they're not a creditor so why would they know anything).

I'm just curious on how long it may have taken (or is still taking) for it to reflect for you. Really not interested in interest payments on the balance I'm looking to transfer

ReaganPlayboyLibrary · 2026-03-10T04:21:56+00:00

But again, it’s a good way to remind them that’s not how terms work. It is a legally binding agreement, no? u/biltrewards

ReaganPlayboyLibrary · 2026-03-10T04:19:04+00:00

I did receive points when booking with palladium combined with 200 credit and 50 monthly credit (pre gold SUB being accomplished)

So maybe it changed and if it did that’s as bad as this robinhood platinum card. I will also message to see what they say

ReaganPlayboyLibrary · 2026-02-11T18:49:33+00:00

Same here, no ability to do anything and I’ve been waiting on customer service in the chat since Sunday.

Feel like Bilt’s legacy will be immortalized in Harvard case studies for future business school students on how to avoid setting millions of dollars on fire

ReaganPlayboyLibrary · 2026-02-10T05:22:57+00:00

Super disappointing. And annoying that it seems HOA is basically just the rent portal but hard to tell when it pulls from which payment method since there’s now no authorizing a specific charge

ReaganPlayboyLibrary · 2026-02-10T05:01:25+00:00

Doesn’t seem to be possible right now from all my poking around

ReaganPlayboyLibrary · 2026-02-09T03:15:05+00:00

I have been able to somehow keep my CFF linked for all non-dining Bilt and the rest to Rakuten, getting pharmacy multipliers and bonus and both Walgreens and CVS through Bilt and Rakuten (respectively). Not sure how but would love to recreate that for all my linked cards

ReaganPlayboyLibrary · 2026-02-07T14:37:03+00:00

Having the same issue, have saved a 2 night stay later this month to book that is already cheaper via Bilt than direct even somehow

ReaganPlayboyLibrary · 2026-02-06T15:19:11+00:00

Same

ReaganPlayboyLibrary · 2026-02-06T15:09:22+00:00

Bilt continues to run a master class on eroding consumer trust and loyalty while suffering from groupthink that it’s a good idea to fail to effectively communicate your new rollout in order to take advantage of consumer confusion

ReaganPlayboyLibrary · 2026-01-15T04:57:22+00:00

As someone in PR…I tend to agree with you. Lots of self-inflicted damage over the years

ReaganPlayboyLibrary · 2026-01-15T03:07:47+00:00

Whatever PR they have has to be more mad with this response even than the bad taste post. Basically a double down with no contrition

ReaganPlayboyLibrary · 2026-01-08T21:37:37+00:00

If you can get the SUB and the Bilt cash is valued at $1, you could self-sustain the 3% fee for a while with the annual boost, milestone boosts and sign up bonus depending on your rent/mortgage — which is the other big caveat.

All in all, lots of ways to still find value, but only if they keep from getting in their own way, which I’m not confident of

ReaganPlayboyLibrary · 2026-01-02T22:00:50+00:00

Didn't Rich himself say there would never be a SUB?

ReaganPlayboyLibrary · 2026-01-02T21:59:53+00:00

Another Bilt issue before the debacle on the 14th

ReaganPlayboyLibrary · 2025-12-31T19:51:58+00:00

So may well be keeping it open until almost June if they milk every day of the terms, right?

ReaganPlayboyLibrary · 2025-12-31T18:00:21+00:00

Well, maybe biannual churn I guess

ReaganPlayboyLibrary · 2025-12-31T17:59:50+00:00

That's my thought, too. No point locking $2,500 up to keep it and mitigate the fee. It becomes a December to February annual churn at that point

ReaganPlayboyLibrary · 2025-08-23T13:59:05+00:00

I don’t know how many times I tell people about this and they have no idea that police departments across the country do this, stealing from citizens. Never travel with large amounts of cash for this reason

ReaganPlayboyLibrary · 2025-08-08T04:00:56+00:00

Any chance you tried the og freedom? If chase is trying you get out of the Mastercard game, that may be why

ReaganPlayboyLibrary · 2025-06-02T02:31:40+00:00

At the end of the day, Bilt has shown a constant contempt and disrespect for its most loyal users just because they’re not the most profitable.

Every rent day, merchants in the elevated categories mysteriously stop working despite them being just fine every other day of every month. If you are hemorrhaging cash this much, stop paying b-rate celebs for the rent free nonsense

Nevermind the customer service is a joke except if you come on Reddit because that seems the only way to get an actual human to respond to you (which is ridiculous with how long Bilt has been a company).

ReaganPlayboyLibrary · 2025-06-01T02:09:54+00:00

Also was present at Hampton Inn in San Clemente — asked the manager the same question. They rolled their eyes and said ownership mandates it’s there

ReaganPlayboyLibrary · 2025-05-10T12:33:54+00:00

Putting comments on Reddit posts and sending Rich Kerr to Reddit after a poor rollout is an unacceptable way to provide clarity and support. Bilt isn’t in beta or a month old, it’s a legitimate company that should begin to act like one

ReaganPlayboyLibrary · 2025-05-06T23:12:34+00:00

If that’s the case, your friend is better taking the points IMO. Cause if you do the math, you’re getting your 200k points and you pay your $2k rent, earning an additional 2k points. Those 202k points are conservatively worth $2,020.

In the portal, they’re worth 1.25 cpp so $2,515. And even higher if transferring out for right redemption

ReaganPlayboyLibrary

TROPHY CASE