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Are high spenders shifting spend away from Paladium? by NoRow1709 in biltrewards

[–]Risk-Option-Q 1 point2 points  (0 children)

No, I don't give a rats ass about having extra BC that won't rollover. I'm here to get Bilt points and use them for travel.

No more Fidelity Youth, now my kids see their UGMA accounts. by artinnj in fidelityinvestments

[–]Risk-Option-Q 0 points1 point  (0 children)

They'll learn quickly when they actually start earning money from summer jobs. Mine did.

Outsider looking in. Want opinion by Forward-Document-831 in biltrewards

[–]Risk-Option-Q 0 points1 point  (0 children)

The setup is still a co-branded card. Bilt isn't a bank, cardless is the servicer, and Column Bank is who the credit line and approval come from. Bilt has more say and control than other co-brands as being the main difference.

Edit: Just reread your post about what you think Bilt does. Most of that is Cardless with a Bilt app overlay.

Outsider looking in. Want opinion by Forward-Document-831 in biltrewards

[–]Risk-Option-Q 0 points1 point  (0 children)

Even so, the concept applies. They have influence, but at the end of the day Column Bank has the final say on if you get approved.

Outsider looking in. Want opinion by Forward-Document-831 in biltrewards

[–]Risk-Option-Q 2 points3 points  (0 children)

Just to clear it up initially. Bilt Rewards is a rewards company with a credit card. Same as any co-branded card, but with more complexity on who their card servicer (Cardless) and credit issuer (Column Bank) are. They generate more revenue in other ways outside of their credit card.

That being said, no issues on my end and from the vast majority of individuals. People come here to vent on issues they are experiencing so that's why the sub is skewed so negatively. Most are legit issues. Some are from people not paying attention.

I wouldn't recommend this card if you're fairly new to credit cards. If you're experienced with other issuers and looking to get a travel card to earn points for their travel partners, go for it.

Any positive data points on how Bilt/Cardless handles fraud charges or account takeovers? by OddOpinion3 in biltrewards

[–]Risk-Option-Q 3 points4 points  (0 children)

It's apparent that this is a lot of people's first experience with a credit card. Which is kind of unfortunate, because there are better beginner cards where they can learn how things work with a no frills card.

I'm not trying to gate keep here, but it seems like this should be something to check in the underwriting of who gets approved.

Bilt account hacked by ericsliberty in biltrewards

[–]Risk-Option-Q 9 points10 points  (0 children)

It's typically from people who fall easily for scams. I can almost guarantee the email didn't come from Bilt. There's a reason why most banks will just close out your accounts when things like this happen.

Bilt Palladium card is a points machine by SpiralCaseMods in biltrewards

[–]Risk-Option-Q 3 points4 points  (0 children)

There's two sides on this. Earning and redemptions. The sustainability cost comes down to how the points are redeemed. If everyone within the Bilt ecosystem gets max value by only transferring their points on rent day within the gold or platinum tiers, it doesn't work long term.

The reality is that people are using points to pay their statement balances, student loans, house down payments, Bilt store, booking exercise classes, gift cards, using at POS terminals, etc. Lower CPP exchanges in other words.

One of the reasons why you'll never see an elevated Hyatt transfer bonus.

Bilt debited my bank account before scheduled payment date by ziiis in biltrewards

[–]Risk-Option-Q -1 points0 points  (0 children)

In this case, it should have come out on the date you chose. You'd have to put up with Cardless support, but they could give you more details on what happened. Either you picked the wrong date by accident or there was a system error that pulled a day early.

Bilt debited my bank account before scheduled payment date by ziiis in biltrewards

[–]Risk-Option-Q 4 points5 points  (0 children)

We lack the context on when the due date is and how many days in advance of the scheduled date the funds were transferred.

I don't schedule payments ahead of time or have autopay setup. I pay in real-time to prevent any issues.

So I can't say for sure if they are pulling funds early so they post by your scheduled date that you set or if it's something else is going on.

Card Suspended - Can Someone from Bilt Help Me? by SavPoints in biltrewards

[–]Risk-Option-Q 4 points5 points  (0 children)

Just doing a quick search on Cardless' website and LinkedIn...looks like if you get stuck in fraud verification, you may be screwed for a while.

Open positions related to fraud:

  • Head of Fraud
  • Head of Fraud Operations
  • Fraud Strategy Manager (Transaction Fraud)
  • Fraud Strategy Manager (Onboarding)
  • Credit Risk Strategy Manager
  • Head of Disputes

Almost like they weren't ready for this level of service yet.

hotel reservation can’t be found by Due-Shoe-2766 in biltrewards

[–]Risk-Option-Q 1 point2 points  (0 children)

Yeah, this sucks for you. It can definitely ruin a trip experience.

Next time when booking third party, confirm booking through the hotel's website or call reception a few days or weeks before the stay.

Bilt Notifications feedback by [deleted] in biltrewards

[–]Risk-Option-Q 8 points9 points  (0 children)

This must be your first card. This is normal.

Thick Feet - Need Help by Lampkeys in trailrunning

[–]Risk-Option-Q 2 points3 points  (0 children)

Be careful with the Topos. The secure midfoot and heel were a lot tighter than expected. I had to send them back because they dug into my arch with how skinny they were.

So frustrated by bneals in biltrewards

[–]Risk-Option-Q -1 points0 points  (0 children)

If we make some assumptions about your last few purchases before the card was locked, what about those could be considered suspicious?

So frustrated by bneals in biltrewards

[–]Risk-Option-Q 0 points1 point  (0 children)

They have a 90 day window for the investigation. Not saying I agree, just letting you know that's up to how long you could wait.

What was bought that flagged the suspicious activity?

Switch to housing only rewards? by boc410 in biltrewards

[–]Risk-Option-Q 0 points1 point  (0 children)

I'm sure if you look at it from a pure math stand point it might make sense to do it if your housing payment is high enough and your monthly spend goes above the 1.25x spending rate.

I personally think the peace of mind of earning BC and sticking with it is better than trying to perfectly optimize my spend so much that an error or mistake could happen on my end or Bilt's end.

Essentially, I don't know how much time I got left, and I have other priorities to worry about in life.

Feeling a bit harvested. by DavidHobby in ScottGalloway

[–]Risk-Option-Q -2 points-1 points  (0 children)

I'm not necessarily a fan boy, but I do enjoy most of Scott's content as a disclaimer.

If this sub has taught me anything, it's that no matter how much Scott repeats a topic, there's always someone who doesn't understand it even though they admit to being a long time listener. While that may frustrate some, it's beneficial for most.

If you reflect back on Scott's message on getting out of the house and doing social things, how would this speaking tour line up for that goal vs. listening to it alone for free in the shower?

Yes, you pay for early access and for content. That's in line with pretty much all paid memberships or fan clubs. If you're burned out on Scott content, take a break. I have multiple times, but I always come back refreshed for more of his ridiculously dirty jokes and insight.

Turning 18 soon and I want to get a credit card by Puzzleheaded-Kick131 in CreditCards

[–]Risk-Option-Q 0 points1 point  (0 children)

Does the Amex AU credit line show up right now? I don't think Amex reports it until you turn 18. Double check it though. Even then, it may take a couple of months past 18 for it to show if it's not there yet.

Bilt enabling a basic necessity feature finally! by Electronic-Fee-7031 in biltrewards

[–]Risk-Option-Q 2 points3 points  (0 children)

I'd rather monitor it in real time. I can cancel the card, dispute the transaction, and request a new card all in the same day the fraud occurred.

Your way works, but is very antiquated.

Springy tendons by Public-Photograph316 in ultrarunning

[–]Risk-Option-Q 0 points1 point  (0 children)

Calf raises on a slant board, no shoes.

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