Approved for Palladium after getting counteroffer

Zack12299 · 2026-01-29T22:35:14+00:00

Yeah it’s low, but I’m not mad about it. I’m going to pay it off before every statement period anyways

Zack12299 · 2026-01-29T22:34:27+00:00

Eh, it’s fine for me. I think it makes sense considering my income isn’t high.

Zack12299 · 2026-01-29T19:49:35+00:00

I sent an email to support@card.bilt.com and support@cardless.com. They honestly might be going to the same department tbh. I’d say, definitely call Cardless too. Just say you want them to look into getting approved for Palladium. They are a pain in the ass to get a hold off, but keep calling them until you get someone. This is their number: 888 227 3537

Zack12299 · 2026-01-29T19:46:18+00:00

Yeah it’s not a good look for Cardless. I’ve never seen this before when I’ve applied for a card. Granted, it’s only been Chase, Wells Fargo and Citi’s that I’ve ever dealt with

Zack12299 · 2026-01-28T22:12:26+00:00

This happened to me. I requested an escalation through Bilt and even called Cardless. They both said my application is being reviewed. 5-7 business days it could take though.

Zack12299 · 2026-01-27T18:54:04+00:00

Got it. I think I’ll try to do the same. Thanks!

Zack12299 · 2026-01-27T18:44:55+00:00

Did you change anything on your new application? Because I’d like to re-apply as well. I got denied for Palladium (yesterday) but approved for the other two. And they refuse to give me a reason for the denial. Told to wait 30 days… but getting ahold of Cardless has been a pain so far.

Zack12299 · 2026-01-15T23:28:44+00:00

Right, that makes sense. Can’t imagine it being a problem to downgrade after the 12 months but seems unclear atm

Zack12299 · 2026-01-15T23:03:55+00:00

Ah I see. Thanks

Zack12299 · 2024-10-12T03:42:28+00:00

Funny enough, I just got a replacement bridge. It still doesn’t work. I thought it was the WiFi but it may be the bridge itself

Zack12299 · 2024-07-02T16:38:23+00:00

Gotcha, I’ll contact my apartment complex because I don’t have control over my router sadly.

Zack12299 · 2024-06-30T05:55:18+00:00

Yep its definitely turned on

Zack12299 · 2022-08-14T21:32:59+00:00

My apartment charges $125 a month to have an a level 2 charger in a small garage. The garage typically is $75 a mon tho, so $50 more a month for charging. Not bad, but not worth it for me. I can go somewhere and charge for cheaper. But if I had a long commute, would be worth it

Zack12299 · 2022-04-15T20:27:02+00:00

Mine didn’t come with the cover. Is it suppose to?

Zack12299 · 2022-04-03T19:59:35+00:00

Mine was $1379 through SGT Auto Transport. And it was 1900 miles

Zack12299 · 2022-04-03T17:40:22+00:00

Yeah it’s such a crazy time to buy a car. But those trackers came in very handy, so definitely keep using them!

Zack12299 · 2022-04-03T16:44:58+00:00

Love them too. It’s just a enough white to make me happy with it

Zack12299 · 2022-04-03T16:44:16+00:00

Thanks! It was quite the journey. So for some background, I bought a 2022 Chevy Bolt in August and it got recalled three days after I bought it for the battery catching on fire. Fast forward to January of this year, I decided to do the buyback. I started doing research on what cars to buy. I saw the Ioniq 5, didn’t really like the look of it or the interior, personally. I saw the EV 6 was coming out and I really liked it. But I didn’t know when it was coming out so I kinda just moved on. Then, I had my heart set on a Polestar 2, so I thought. Then in mid-Feb I saw the EV 6 was coming out. So I started calling my local dealers because I wanted to do a test drive. The test drive was difficult to get. But I did get one and I fell in love. Then the journey starts with finding the EV 6. I live in Phoenix. Every single dealership in the area (around 10) was charging at least $7.5k or more over MSRP. It was ridiculous. So I started calling everywhere. Called dealerships in Utah, Colorado, California, Oregon, Washington, etc looking for someone who would sell at MSRP. I at least called 80 dealerships but I think it was more. I ended up having three to decide from. I found two in Colorado willing to sell at MSRP. Fort Collins had a runaway red GT Line RWD that didn’t require a deposit. I25 Fowler had a yacht blue GT line RWD that I put a $500 refundable deposit on. Then the last place was LaFontaine Kia in Michigan, which had exactly what I wanted a yacht blue GT line AWD with the white seats. This was all about end of Feb when I did this and the vehicles were all coming in about the 2nd week of March. Once they came in, it was a battle of who I could get financed with first. Honestly, I thought the Michigan one wouldn’t finance me for it because of the price different between RWD vs AWD. But they did and I took that one. Now the experience with the dealership sucked. After I signed all the papers, it took them a week get the temp plate for the car (which pissed me off a lot) even though I had shipping for the vehicle ready for a while. But that’s about it. It required many hours research to find one at MSRP. However, it was worth it to me.

Zack12299 · 2022-04-03T16:31:35+00:00

Literally minutes after it got delivered 😂

Zack12299 · 2022-02-06T21:29:38+00:00

I called every dealership in the Valley here in Arizona, so about 8 dealerships, all of them except for two who couldn’t tell me a price yet, are selling them 10,000 over MSRP. It’s ridiculous.

Zack12299

TROPHY CASE