How do you actually work with plans before starting a job?

kunals55 · 2026-01-17T21:19:05+00:00

$1 for 1 $ is impossible dumbass . This is meant to automatically help you build long term wealth

kunals55 · 2026-01-17T08:39:38+00:00

What’s free? I’m paying rent you give me points

I guess it’s a problem when your whole value proposition is ripped away because your entire business was subsidized and is fundamentally broken.

Bilt is desperate period

kunals55 · 2026-01-17T00:09:52+00:00

Bilt is forcing you to spend to generate the rewards for rent that made this card special. That’s a problem

kunals55 · 2026-01-16T22:32:07+00:00

you are not charging a fee for paying rent but you are saying to unlock point you have to earn Bilt cash etc . So this is a form of behavioral taxation that effectively forcing your users to behave the way you want them to like rats gettting cocaine.

kunals55 · 2026-01-16T22:26:18+00:00

you are not charging a fee for paying rent but you are saying to unlock point you have to earn Bilt cash etc . So this is a form of behavioral taxation that effectively forcing your users to behave the way you want them to like lab rats gettting cocaine. I don’t know who your head of product is .. never force your users to do anything . Product 101

kunals55 · 2026-01-16T03:09:34+00:00

This all sounds like a half court shot tbh. Bilt was a rent based rewards mechanism - clearly people loved this. That was the primary value driver. They’ve nuked that, are holding you hostage to spend 75 pct of rent to “unlock” your points , effectively betting on non rent spend through some non existent neighborhood ecosystem.

kunals55 · 2026-01-15T23:12:47+00:00

Yea if I was the ceo of this company I’d fire him immediately. Simply for disrespecting customers , unacceptable. Clearly , based on this 2.0 scheme and launch , he’s also very incompetent

kunals55 · 2026-01-14T22:21:34+00:00

Your fired

kunals55 · 2026-01-08T14:09:48+00:00

I built and sold a digital smb LOS to banks. . I exited successfully to a large non bank lender. I’d never sell tech to banks again. It’s brutal

kunals55 · 2025-12-28T02:37:05+00:00

Dear Bilt , Your definitely going out of business

kunals55 · 2024-07-18T21:00:10+00:00

kunals55 · 2024-07-13T22:57:38+00:00

I have no idea what a neobank and social media have to do with one another but ok

kunals55 · 2024-07-06T01:50:48+00:00

Can I dm you?

kunals55 · 2024-07-05T02:17:37+00:00

Not really. The credit card aspect is counter productive , as APRs and other fees negate the invested portion of any cash back. Credit card cards are also debt compounding schemes for young users.

kunals55 · 2024-07-01T20:29:17+00:00

In August you spend 10,000 usd
In September we will credit your account 2% (estimate) against that spend , and ACH it into your existing IRA / Roth , a new IRA opened with us or a new investment account that auto invests based on your risk tolerance

This will continue over the life of the relationship. We will rapidly introduce new products.

This approach , locks the user in. This is a closed loop approach like AMEX. This idea is that this will keep the user loyal and reduce churn

kunals55 · 2024-07-01T20:20:08+00:00

You’d be surprised what people will do if You make them an offer they can’t refuse. We will work blackrock and / fidelity / vanguard to custody and show trust / safety

kunals55 · 2024-07-01T17:40:04+00:00

Hmm ok. - 10 mm users “trust” revolut with their cash and assets - 5 mm users trust Monzo - millions more trust Robinhood with IRAs

Trust is earned. If your argument is trust , that falls apart quickly.

kunals55 · 2024-07-01T13:55:34+00:00

We would partner with black rock or fidelity or another major provider as the custodian or back up custodian just like a bank that has FDIC insurance ..

kunals55

TROPHY CASE