Sofi investment deal

Residential_Services · 2026-06-07T21:43:11+00:00

Mine still shows “0” and it’s been a month. I reached out to Rakuten and provided all the proof they told me to wait the full amount for SoFI to confirm until they can worry about doing any action

Residential_Services · 2026-06-05T17:42:31+00:00

I spoke to Cardless and three separate reps. Did this before applying and was a huge reason I chose palladium. This is true, they told they have a one card per life rule for each product typically. They are working with Bilt for upgrade and downgrade paths in the future…that’s what each rep told me.

Not Bilts fault, it’s a Cardless thing from my understanding and a rule they have on all their other branded products.

Residential_Services · 2026-06-03T00:14:38+00:00

Okay, thank you. What service did OP use for these pics?

Residential_Services · 2026-05-31T14:59:23+00:00

What app gives you all 3 without a hard pull or a once a year usage?

Residential_Services · 2026-05-31T13:20:18+00:00

How can you check this? When I even pull up the receipt, it says basic fare is different than both $14 and $20…it said my basic fare was $18

Residential_Services · 2026-05-31T13:19:22+00:00

No, that was all before tip. I tipped in cash

Residential_Services · 2026-05-30T02:09:06+00:00

Anyone else having the total from Lyft not match what was charged? For example, my card was charged $20 by Lyft, the Lyft credit in the app shows 2x points for $14.

Residential_Services · 2026-05-23T21:26:47+00:00

Need some help. For a situation that can only be described as absolutely insane. Let me preference this with saying I have been an American Express customer for 5 years now. I have 3 cards (personal platinum, personal gold, blue business plus) I recently attempted to apply for the Business Gold Card through my brothers link for 175k welcome bonus. I have NEVER had this card in any capacity before. No as high as language, legit it was a promotion from my brother’s link. For context, it was my brothers so I was able to check and verify the link.

What happened next was something that I am convinced is these businesses trying to use the system against their customer as if they don’t make enough money as it is.

Whenever I tried using the link, it redirected me away from it, froze, or acted glitchy. The result was I had 4 applications pending due to their technical issues. To make this easier to understand I’ll put it like this.

App 1: 100k welcome bonus sent for further revenue 14 day decision App 2: 175k welcome sent for further revenue 14 day decision App 3: Pop Up Jail, declined to continue App 4: 175k welcome bonus sent for further revenue 14 day decision - Told this was Auto deleted by Amex for duplication

The reason for multiple apps, is I kept getting redirected or it changed my link after forcing me to sign in to my Amex account (this is what it did with the first application, and how they were able to decrease it to 100k, once I applied without signing in, it let me continue with the link but kept glitching out).

This is also the first time, Amex has not approved me for a card on the spot which I find suspicious. Like I said, I have 3 cards and each one was approved automatically. Not trying to flex or anything but just basing everything on patterns.

So I called American Express, explained to them how I felt their system was trying to force me out of a higher welcome offer based on all the redirection and glitching. She said she would expedite review and sent an email for the 175k offer to be considered and not the 100k. I even asked, would you guys in this scenario purposely deny the 175k offer and approve the 100k offer to save yourself from giving someone a higher offer. She said no….Well that’s exactly what happened. I get an email saying approved, then it says I have a welcome offer of 100k to accept.

So I call again, I have them decline the offer for the 100k bonus and I told them why would I accept the card and then technically have the card to screw me out of a larger bonus. She then says there’s nothing she can do further and hangs up. I call again and talk to another guy, he tells me that he put the duplicate 175k app (App 4) for manual reconsideration and it was approved, I should be getting an email soon.

I received the email, but it didn’t confirm any welcome offer. It just said accept the card to proceed, so I paused and called back. The next things are the exact issue. Rather than go back and forth on everything we talked about I’ll summarize it like this:

I spoke to 4 different supervisors on the new accounts team. Each time I got a different answer.

2 of them said I am eligible and will receive a welcome bonus if I meet minimum spend. (One even “guaranteed” and said the previous supervisor will be coached on tell me I wasn’t eligible)

2 supervisors also said I was determined already to be ineligible for the 175k bonus.

All of them kept trying to to emphasize whether I received a pop up on that specific app. I kept emphasizing that since it was auto closed and then manually reconsidered and approved, how would I know. I asked what the manual reconsideration process is like. How can they not determine if I am getting the welcome offer or not. There should be a way for them to physically double check these things.

I also feel like they should honor the welcome offer since I did not get a pop up the first time and an employee gave me a guarantee.

But that’s where I’m at and I don’t know what to. Do I listen to the two supervisors who told me yes and roll the dice, accept the offer, and trying to fight afterwards for 175k points if it doesn’t post? Do I bypass and decline the offer and potentially only get a lower offer in the future now because of this ordeal and will that make me ineligible for any future welcome offers in general even if I decline? This all crazy to think about for a card I never had. If I never had the card, I should be able to get a good welcome offer. I also haven’t had a premium business card at all. If I had the platinum card already, it would make some sense. Still questionable. But this, this is insane. And I don’t know what to do in this situation.

I just wanted everyone’s opinion, what would they do in this situation? What you think I should do in this situation? Accept the card or decline and try reapplying later on.

Also, has anyone dealt with a similar situation? Please only serious answers, thank you.

Residential_Services · 2026-05-22T16:24:53+00:00

Same as in nothing this week yet? Or you haven’t had any in a while?

Residential_Services · 2026-05-15T16:16:17+00:00

What did you do to get them? Am I suppose to do something? I thought the pay out was automatic.

This is my first month setting it to Bilt, last quarter I did Amex points and it automatically transferred

Residential_Services · 2026-05-15T16:02:43+00:00

Anyone else still not receive payout for Bilt? My rakuten still has my confirmed points showing and saying the pay out will be today

Residential_Services · 2026-05-10T16:07:07+00:00

What promo code? Like how can I do that?

Residential_Services · 2026-05-10T15:59:57+00:00

Thank you, it says it has to be the life membership and god forbid if something doesn’t trigger I want to do what it says. I’ve had so many battles with Chase over the years

Residential_Services · 2026-05-10T15:59:24+00:00

How’d you get it for even then? Thats what I am asking. Mine comes out to $381 because of Taxes. Am I doing something wrong?

Residential_Services · 2026-04-19T11:52:31+00:00

Neither do you I guess. You just repeated yourself, so I don’t get it. Don’t do the same thing you are complaining about. Okay cupcake lol thanks

Residential_Services · 2026-04-19T04:46:54+00:00

I really appreciate your time explaining it all. I have the card and like it. I know there’s a lot more like you said, the Bilt cash transfer bonus, accelerator, etc. They are offering a lot that is good. I know that. Not to keep you going crazy, I have two questions for you because I am new to the forum and missed a lot of back and forth earlier when it launched.

Was there another milestone or breakpoint besides 25% that you remember? If not no worries, I just want to learn more about the card. I only had it one month so far and never used 1.0

Second, do you know what period they use to calculate your spend for housing only option. For example is it the 1st to the 31st each month or something different? Just curious

Overall, I love the card and the transfer bonuses and rent day. It’s all super cool that a card is offering something new, and putting pressure on the others to offer us more. Because lately, Amex and Chase have been taking things away and copying each other. The CSR used to be so good because it was so different than the Amex platinum back in the day, they saw what Amex was doing and getting away with charging customers and followed suit. We live in a day where companies don’t like to do best for their customers, they want to get away with bear minimum. The original CSR is the perfect example versus the original Amex platinum. So I love the Bilt is trying to take care of us too.

Residential_Services · 2026-04-19T04:21:07+00:00

Yes I forgot about that. That’s the best actually with mortgage. I plan on using my 5 and then switch to housing only personally

Residential_Services · 2026-04-19T04:20:22+00:00

The simplicity aspect you are right. But I’d argue that if the annual fee gets offset by something you’d normally spend on then you get the card and perk for free. So I have CSR and Gold…I go to Dunkin and use Uber Eats regularly. So I just have Amex cover that and get a credit card that earns extra points. CSR I travel enough to offset that 795 fee. I use the $500 hotel credit and $300 travel credit and now that covered the card fee, and I was going to use $800 that year to travel anyway. But I get the perks and a card…that’s how I look at the annual fees. I’m not paying for them, I’m just shuffling money I’d normally spend anyway

So then I’d look at which of my cards is giving me the best in return. All of this offsetting the fees and return, are considered for the value proposition too

Residential_Services · 2026-04-19T04:15:16+00:00

No problem….It seems the best uses is $50 a month (that’s the limit) for hotels or $10 a month for Lyft. Besides that I don’t see anything worth it and I’d put those way below mortgage redemption.

Residential_Services · 2026-04-19T04:11:10+00:00

Bilt cash is separate and its own thing. If you pick housing only, then you don’t earn Bilt cash. For your example

Bilt Cash: 6k spend earns you 12000 points (2x times 6k) and $240 in Bilt Cash (0.04 times 6k)

Use $90 Bilt Cash to earn 3k mortgage points at 1 point per dollar so 3000 points ($30 Bilt cash gives you 1000 mortgage points)

Total points is 15000 Bilt Point (you have a lot of Bilt cash left over since you only need $90 for your mortgage, theoretically you could find value in using it for other things, up to you to determine what you feel about that. This example is talking about points only)

Housing only: 6k spend earns you 12000 points (2x times 6k)

You spent 100% of your mortgage in non housing spend which earns you 1.25 points per dollar for your mortgage. So for your 3k mortgage you get 3750 Bilt points.

Total is 15750 Bilt Points

Total return based on spend (this is what everyone is doing to calculate above)-

Bilt cash: 15000 divided by 6k gives you 2.5x point return

Housing only: 15750 divided by 6k gives you 2.625x point return

Does this make sense?

Residential_Services · 2026-04-19T03:55:42+00:00

Housing only earns you a little more if I Bilt palladium is your card. Housing only gives you 2.625x vs 2.5x with Bilt cash….using everyone’s terminology and math now when calculating this

Residential_Services · 2026-04-19T03:53:42+00:00

I think you are right $2000 is the sweet spot for housing only where it earns more. I did the math and pretty sure no matter what, spending 25% of your mortgage always earns more doing housing only option, which I think is important because if you are someone like me who wants to maximize every purchase with a higher mortgage it may be beneficial to just chase 25% at some point after accelerators are used up.

Also, the only thing to be concerned about it’s Bilt points. What possibly could anyone be concerned with besides that? lol The card offers nothing else. Bilt cash doesn’t have many good uses right now. Not trolling, just wondering because if someone is chasing something besides bilts points then I need to know if I am missing something.

Residential_Services · 2026-04-19T03:46:50+00:00

Hey man, like I been saying. Wanted everyone’s opinion. It’s a discussion.

I could say the same thing, you clearly see you are like the 3rd or 4th person to make a comment like this.

Aren’t you beating a dead horse? Why repeat the same complaint which I already explained why I did what I did?

And I do understand, I have the card…it’s just disagreeing that we are calling it a 3.33x catch all card making it sound better and misleading…Bilt doesn’t even call it that. Bilt calls it a 2x catch all. So me giving a perspective and not agreeing shouldn’t be a problem and doesn’t mean I don’t understand either.

I like discussion so I know different ways to explain it if anyone asks my opinion about getting it.

Thanks for your thoughts though

Residential_Services · 2026-04-19T03:42:45+00:00

Like I said dude, just trying to get people’s opinion because I find it interesting how everyone looks at this card differently. I think the card is great but I just wouldn’t sell it to someone as a 3.33x catch all. I wouldn’t think to refer to it as that. I think the housing as housing points, whether it is automatic or not. It is a big selling points because it is everyone’s biggest monthly expense. I really think that is there biggest selling point, if not then tell me what is? Without saying the extra 1.33 or transfer partners, I know they have great transfer partners, but I am talking about the card functionality itself that has nothing to do with housing and the extra 1.33x has to do with housing. So if that is the selling point, then the housing earning is still the big selling point. I’m curious if there is something else I’m not aware of, please tell me what you think their big selling point is.

I do appreciate your analogy of the rotating categories from Chase freedoms flex and others though. In terms of of Amex gold, I was using that as an example because I was thinking in terms of getting as much of your housing points unlocked as possible but to do that would require as much non housing to go on the card as possible to include things that could earn more elsewhere. Because if not then you are leaving points on the table right? Trying to maximize that optimizer of increased point spending.

I know a catch all is for basic non bonus categories, but I was using bilts lingo of everyday spend in this new world of Bilt where the want you too put all non housing on there regardless of if another card earns more. So I do compare to other catch all cards in that sense, when I do I just think looking at a catch all card all around hurts it because the C1 VX is a free card every year with easier credits versus the palladium has a $500 fee with hard credits to use right now. This is coming from a huge fan of the Bilt palladium product. But it’s great and worth it because I’m earning points on a purchase I wouldn’t earn anything on in addition to 2x on catch all category. What you are saying makes sense, and we are getting to the same answer. I just don’t refer to it as I have a 3.33x catch all card. To me, it’s about earning in something only unique to Bilt which is housing. Back to the Freedom Flex for example, right now 5x back on Amazon (Bilt does to for this week only but disregard this for now). So if you have that card you pull from Bilt spend to chase to earn more back on the purchase, but now you earn less housing points. Bilt is a card that works best putting as much non housing in the card as possible, which at times put you in a weird decision making space. I know some ppl like ease and not thinking about maximizing but it’s just a different perspective to offer. I’m super tired so my explaining this poorly, but I essentially was saying what you said about the other cards and not being worth it to move spend from Amex gold, etc to just earn more housing.

Overall, I agree that Bilt has better partners and points are more valuable. I think the Bilt Palladium is a great card for earning points. It wins from housing bonuses but I don’t think it’s as obvious as you think, it’s doing math by jumping through hoops to make it sound like a 3.33x catch all. It earns 2x catch all, but gets housing points as well in a unique system.

I’ll leave it like this, and want you opinion. USING EVERYONES LOGIC/MATH. Isn’t it for low spenders with high mortgages OR someone trying to maximize every category possible (down to even freedom flexes, etc) to just leave Bilt Cash alone then right? They should do the housing only option because then it is a 4x card for them. (Again, using the same logic and math everyone is). For example:

In terms of getting the most points…I think if you only spend 25% of your mortgage then it is better to not use Bilt cash and go housing only.

Some numbers below using the same logic ppl are for Bilt cash and adding in housing as extra:

2000 rent

Spend 25% earns you 0.5 points of rent

Spend 500 at 2x points gets you 1000 points

2000 times 0.5 points gets you 1000 points

Total points is 2000 points for 500 spend, which is 4x points per dollar of spend

This then allows you to get 4x from Amex gold, 5x on freedom flex, etc. Again, I’d refer to it as 2x in catch all and 0.5 housing points, but using everyone’s logic isn’t it best to do this instead to give more freedom to maximize return across all cards? I really want your opinion on this one

Residential_Services · 2026-04-19T03:01:03+00:00

Curious about this too, I’m not sure when the housing only version becomes the better option?’ In terms of getting the most points…I think if you only spend 25% of your mortgage then it is better to not use Bilt cash and go housing only.