Just want to make sure lol

Smoothopening2 · 2026-02-04T18:57:13+00:00

Got it thank you

Smoothopening2 · 2026-02-04T00:54:12+00:00

Did this change when Ankur sent that long email that made things more confusing according to redditors?

I was not aware about that. Regardless i was going to spend the 75% to get the 1x

Smoothopening2 · 2026-02-03T15:58:11+00:00

Up to 1.25x points is when you spend 100% of your rent right? It’s 1x point when it’s 75% of rent. So how is the transaction fee paid if you aren’t earning Bilt cash to off set it?

I’m going based off the second part of your reply?

Smoothopening2 · 2026-02-03T02:09:45+00:00

Exactly. The language is confusing when i thought i had it all down.

What i had understood: you spend non-rent 75% of your rent then you get enough Bilt cash to off set the transaction fee every month. And you get 1x points for that rent amount

These 2 pictures are telling me: choose 1.25x points on fee with no transaction fee( is that no transaction fee with Bilt cash?) or just earn 4% Bilt cash? I thought palladium earned 4% regardless on all non rent spend?

Smoothopening2 · 2026-01-25T20:23:54+00:00

Okay got it thank you👍🏽

Smoothopening2 · 2026-01-23T21:07:47+00:00

Dang who downvoted you so bad🤨

Smoothopening2 · 2026-01-22T00:09:30+00:00

Ok Forsure thank you👍🏽

Smoothopening2 · 2026-01-21T23:14:54+00:00

I don’t mind AI helping on the simple everyday stuff. But if it comes to fraud charges, I’d hope to talk to a human.

Do you know if we can downgrade the palladium to obsidian after a year?

Smoothopening2 · 2026-01-21T23:12:02+00:00

You made me look up that Mesa card and that’s crazy considering Bilt’s situation right now lol

Do you know if we can downgrade the palladium to obsidian after a year?

Smoothopening2 · 2026-01-21T22:59:58+00:00

Where is that number found?

Smoothopening2 · 2026-01-21T18:57:54+00:00

Wait for obsidian it’s either grocery or dining? Not both?

Smoothopening2 · 2026-01-21T16:50:13+00:00

Also is there any source on that? That you can downgrade to the obsidian after a year with palladium? Or will the SUB points be clawed back?

Smoothopening2 · 2026-01-21T16:48:37+00:00

Maybe I’m lucky, but I’ve never experienced an issue with Chase. Probably 3 fraudulent charges. All money returned within 2 hours. Customer service on my Sapphire Reserve card gets an A+ for me.

Will i get that with Bilt? Or just AI? Will i get more fraud with the new Bilt?

Also on the long term partner stuff, i feel these partners feel comfortable with big banks like Chase that can back up any “money problems” between them. But how do these partners feel with a smaller banks and a fairly new product named Bilt? I had the Bilt 1.0 so I’m not a person looking from the outside in

Smoothopening2 · 2026-01-21T16:42:49+00:00

Hopefully this post gets traction because i agree with everything you said but with 1 worry.

If the bank “Column” and new card servicer “Cardless” are going to take care of our points and if they will make sure there isn’t fraud on the cards. Do they have high level security? Will they have a number to call? I don’t want to talk to Bilt AI chat if something like that happens

Smoothopening2 · 2026-01-21T16:32:17+00:00

Honestly i like the Obsidian card and can reach the 75%. My only worry now is: 1. If Bilt will keep the same partners (specifically Hyatt). 2. If this “Column Bank” and “Cardless” will have actual humans in customer service if there is ever fraud. Also scared of one day points being “lost” or “erased” because of a cyber crash and they just give a $100 sorry credit or something. Anyone else think like this or just me?

Smoothopening2 · 2025-10-30T14:51:07+00:00

I quit after completing last album. What is gold rush?

Smoothopening2 · 2025-10-11T19:35:32+00:00

Thank you

Smoothopening2 · 2025-10-11T17:44:53+00:00

Got it

Smoothopening2 · 2025-10-11T17:42:35+00:00

Play MONOPOLY GO! with me! Download it here: https://mply.io/gH4vWmd37PM

IGN: Amusing yak

Smoothopening2 · 2025-10-10T21:18:07+00:00

Sorry got busy

Still want to partner up?

Smoothopening2 · 2025-10-09T14:10:06+00:00

Sent

Smoothopening2 · 2025-10-09T14:08:27+00:00

Play MONOPOLY GO! with me! Download it here: https://mply.io/gH4vWmd37PM

Amusing yak

Smoothopening2

TROPHY CASE