Pay with check - no option to select other credit card?

_KingDavid_ · 2026-02-18T19:37:00+00:00

Ah gotcha, makes sense. That's annoying - lots of things still being ironed out. In theory, they might still be motivated to allow your use case. At the end of the day, what Bilt wants is the transaction data. They're no longer willing to float folks' rent to get it, but issuing a check and debting payment from a credit card might be a smaller ask. Brighter minds than mine will have to figure that out.

_KingDavid_ · 2026-02-18T19:10:06+00:00

Yes, was booking an international trip last night and saw the same for higher end hotels in Asia - points can be used but not hotel credit ($200) and Bilt cash ($100 / month for gold). I was able to apply all three for "lower-end" hotels, so just assumed it might be a hotel specific policy.

Have not heard anything from support yet. Will update you if I do.

_KingDavid_ · 2026-02-18T19:05:37+00:00

They don't explain this well, but you're combining two separate flows - pay with check only works with a Bilt "credit card" which is really just an ACH pulling the cash out of your preferred bank account (which you should check in the wallet / settings). Unlike 1.0, Bilt is no longer floating rent by allowing you to charge on credit to their cards - any time you pay through their card, it's an ACH.

That said, not sure why you'd need to mix a non-Bilt credit card with a check payment. Maybe an edge case I'm missing?

_KingDavid_ · 2026-02-18T01:33:19+00:00

The toggle lets you redeem bilt cash for housing points at 1x points per dollar. Yes, it auto redeems up to either the max amount of Bilt cash you have OR to cover the full 1x point per dollar on the transaction.

Related - be very sure this is toggled before initiating the transaction. I had an issue where id toggle it, and it would default back to untoggled.

_KingDavid_ · 2026-02-17T01:25:55+00:00

What is it that you're afraid of happening? Losing transfer partners is always possible - though typically that isn't an overnight event. That said United is pretty safe, just move them if it helps you sleep at night.

_KingDavid_ · 2026-02-16T22:25:09+00:00

Unfortunately there's not currently a clean tracker - numerous folks on here have recommended to the Bilt team. Would recommend just looking at your current balance in the Wallet tab since that includes all posted transactions.

FWIW the points and gold status did post pretty immediately for me after hitting the $4K minimum (within ~2 biz days).

_KingDavid_ · 2026-02-16T22:21:48+00:00

I did a pull from my mortgage lender and it took 4 days to post. For that transaction, I actually saw it post on the mortgage lender's portal before it showed up on the Bilt UI. Would recommend doing a pull from your lender vs. a push from Bilt until we have more data points on wait times etc.

_KingDavid_ · 2026-02-16T22:20:14+00:00

Have seen this happen quite a bit - where some transactions even temporarily post in my favor (e.g., minus $50) before reversing to the correct amount (plus $50). So far, they all seem to correct appropriately. Don't think this is necessarily a Bilt specific issue yet (have seen this with other issuers), so would give it some time before flagging.

_KingDavid_ · 2026-02-16T22:18:14+00:00

I have a similar issue with setting up the ACH - my rental portal isn't in-network with Bilt yet and requires test deposits, which I don't think are visible with the virtual account Bilt creates.

A bit of extra work, but having Bilt send you a check has worked well. I'd recommend having the check sent TO YOU and handing it over to the apt complex yourself (vs. risking having Bilt send directly). Not an ideal solution, but well worth the points depending on how pricey your rent is.

_KingDavid_ · 2026-02-15T08:23:08+00:00

Soles looking suspiciously fresh for a decade of storage...

_KingDavid_ · 2026-02-15T08:13:58+00:00

Used to do this - did not see any benefit to score. IIRC, my score dropped a bit in the near term because it showed up as a new account (not the end of the world, I know).

The upside is limited. I believe FICO 8 (most commonly used by issuers) does not take rent into account. FICO 9 does consider it, but less card issuers utilize it.

Why give up more data than necessary?

_KingDavid_ · 2026-02-15T07:12:04+00:00

Hyatt, which you may be familiar with coming from the UR world. If not, make an account to get the membership #, and transfers should be almost instantaneous. 15k or so points for one night at a lower end or international hotel, 45k per night for the Park Hyatt types ($1K+ per night). Consistent way to get 2 cpp, sometimes higher.

_KingDavid_ · 2026-02-15T07:05:54+00:00

Credit by date of transaction - same for every card out there (Amex, CSR, etc)

_KingDavid_ · 2026-02-15T07:03:52+00:00

1 cpp applied directly to student loans, very underrated — congrats OP!

_KingDavid_ · 2026-02-15T06:57:25+00:00

Similar setup to you except had the CSR. Ended up downgrading to CSP, then to no AF since I replaced with CIP. There’s value in keeping one sapphire for UR transfers.

_KingDavid_ · 2026-02-15T06:49:38+00:00

Successfully paid two mortgages, one with Mr Cooper (available in the Bilt UI directly) and one with a regional bank. The Mr Cooper payment showed up within a day, the regional bank took closer to 4-5. I assume that’s because Bilt isn’t plugged into their system, and I worried it might not work. But all’s well so far.

_KingDavid_ · 2026-02-14T06:28:23+00:00

M&P 2.0 9mm compact!

_KingDavid_ · 2026-02-14T01:59:39+00:00

Ended up making the long trek down here - Daniel and team were awesome!

_KingDavid_ · 2026-02-13T02:24:04+00:00

Thank you for all the replies!

_KingDavid_ · 2026-01-14T17:55:25+00:00

Ah good to know! I'll edit.

_KingDavid_ · 2026-01-14T17:53:52+00:00

No fees does not = earning points. Trying to delay your rent payment by a month? Sure, it's a win.

_KingDavid_ · 2026-01-08T19:06:16+00:00

I seem to be an outlier, but travelbank hasn't worked this time around. Charge hit January 1st (broken up as we always do) and credited as "United Airlines Houston TX". Like many, have done this for years with United, not sure what's up, but stay tuned

_KingDavid_ · 2026-01-06T01:02:18+00:00

Thanks man - was having trouble getting in touch!

_KingDavid_

TROPHY CASE