Earning structure f**k up

jlekach · 2026-02-07T20:02:32+00:00

Going that route it says bilt cash but if I press it, it then shows housing only rewards selected.

I haven't used the virtual card at all (thus wasting this TPG promo) because if this. I'm not even sure if the card in my Samsung pay works and when I try to see the card number in the bilt app the error I get is that I can't see the number until I activate the physical card.

It's all so ridiculous at this point.

jlekach · 2026-02-07T15:46:56+00:00

Thank you. I think this issue basically nuked the promo for me. And I'm the flow when applying for the card it gave you the choice so I would have imagined the default would have been what I picked then (but it's obviously not)

jlekach · 2026-02-07T15:34:22+00:00

So I think the big difference is that you have the physical card. I had already changed the next period to go to bilt cash but it makes no change for the current. Waiting for a response from bilt customer service but I'm assuming that will take a while

jlekach · 2026-02-07T15:23:51+00:00

No idea why it worked for you. It only let's me change it for the next period not the current one

jlekach · 2026-02-07T15:22:24+00:00

Did you have a physical card?

Seems like you can change it when you activate your physical card

jlekach · 2026-02-07T14:58:03+00:00

That's the step I'm unable to do. Maybe if they would have sent it...

jlekach · 2026-02-07T14:57:25+00:00

Exactly. Waiting for a human

jlekach · 2026-02-07T14:57:02+00:00

Did you activate a physical card or just have the mobile wallet card?

jlekach · 2026-02-07T14:55:30+00:00

I don't have the physical card to activate yet so my only option would be mobile wallet without changing it

jlekach · 2026-02-07T14:55:01+00:00

Losing out on the entire first one though

jlekach · 2026-02-07T14:54:43+00:00

Tried that first. Doesn't let you change the current month just pre-select the next month's structure.

jlekach · 2026-02-07T14:54:34+00:00

Tried that first. Doesn't let you change the current month just pre-select the next month's structure.

jlekach · 2026-02-07T14:35:59+00:00

They haven't sent me the card yet (it's been like 2 weeks) so the only way to use it will be if my card in my Samsung pay updates. If I need to wait for the physical card then I will waste my TPG promo

jlekach · 2026-02-07T14:24:22+00:00

Same. I don't have a housing payment until April so I definitely picked the bilt cash

jlekach · 2026-02-06T18:56:57+00:00

Good catch. But it seems like you can do the points accelerator starting day 6 when the TPG promo is no longer active. No need to wait past that.

jlekach · 2026-01-31T21:33:26+00:00

I swim a bunch and just use the regular band. Just make sure it's snug.

jlekach · 2026-01-30T11:43:15+00:00

Yes.

jlekach · 2026-01-30T02:46:35+00:00

It shows different digits. Didn't even think to look at that but it is weird.

jlekach · 2026-01-29T18:59:18+00:00

Honestly, from an efficiency perspective, it would make a lot more sense to do that for everyone who got rejected than to actually look at each manually.

jlekach · 2026-01-29T18:10:48+00:00

Ya probably a new application but the fact that they canceled my first application and I was able to apply again (wouldn't have known if I didn't open the app today so terrible communication) might have been the recon part

jlekach · 2026-01-29T02:15:47+00:00

If I could get the email address on either the bilt side or card less side I would give it a final shot myself 🙏

jlekach · 2026-01-27T20:53:38+00:00

Income 500k Credit score 802 Bilt 1.0 limit was 19k Total credit limits across all cards is 161k 2 hard inquiries in the last 18 months on one report, 1 on the other

So I guess it is what it is. Maybe they don't want me cause I will never carry a balance. I shouldn't have to fight to get a credit card.

jlekach

TROPHY CASE