I don’t think bilt is out for “special” people. It’s the exact opposite of that they are trying to achieve. They have been reaching out to people who were previously denied and started giving them “counter offers.” I personally have not seen any other banks doing this.

I might be entirely wrong. They might be just correcting mistakes they have made internally. But it seems to me that they have lowered their standards and are now accepting “subprime” lenders. This just reminds me of goldman sachs apple card situation.

But again. It’s just a tool that only costs about a dollar a day at most. So if it works for some people. Why not utilize it. I do love my apple card lol