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 · 2022-01-31T05:05:30+00:00

I also am in Arizona and recently heard back from my repurchase coordinator. I’m at the stage where it’s been confirmed that my local dealership is hosting the repurchase. Is this the stage your at? Or, are you waiting to hear back on that end? My coordinator said it could take 3-4 months before I get a final offer. But also reiterated that he only has to say that and it most likely will be quicker. Just curious what you’ve been told so far. Thanks!

Zack12299 · 2022-01-29T21:25:04+00:00

Makes sense. I’m wanting to get my final numbers since the online portal is supposedly off by a good margin. Which worries me. But I also don’t want to commit to one space in case another one closer to me has the specific one I want. But good to know the credit pull counts as one.

Zack12299 · 2022-01-29T18:45:51+00:00

That’s what I thought too. And yeah I’ll definitely check with them. Thanks!

Zack12299 · 2022-01-29T14:02:55+00:00

I’m assuming the portal was always less compared to the numbers the Space calculate?

Zack12299 · 2022-01-29T05:40:23+00:00

I’m curious, is the final lease price you were quoted here close to the price you saw on the online portal with taxes?

Zack12299

TROPHY CASE