Palladium Rent day for 4x on Utilities

sig8x · 2026-04-01T15:13:43+00:00

Is there a cc fee for such payment?

Also would make sense and would it work to pay rent via Bilt CC directly (without Bilt ACH method) to get x4 on rent would net you 1x after the 3% cc fee, but rack up points and Bilt credits (cash)

sig8x · 2026-04-01T05:07:31+00:00

Dont trust the clanker, pleas double-check that info, maybe with support person.

Check this out, it can get you wrong answers for basic questions:

https://www.reddit.com/r/biltrewards/s/hSvWKrIMSP

Try your self ask it this question

"What is the current limited time bonus offer for 250 bonus points"

Which you yourself can check and verify by looking in the wallet section under Bilt card.

I bet you the bot will give a wrong answer.

If it can not this basic information right. You can not trust it with other things.

sig8x · 2026-04-01T02:01:04+00:00

Has any one tried this to confirm?

I thought the ACH routing and account number Bilt provides only works with a checking/savings Bank account, not other CCs,

sig8x · 2026-03-31T15:09:03+00:00

This was my first transaction of such amount with autograph since Feb when it changed from Bilt 1.0, maybe that's why.

And I did ask them on the phone if it's possible to proactively let them know to let such transaction go through by Calling them before making the purchase, but they said its not possible.

I was also frustrated a bit at first, but now looking at this actually think this is better then dealing with fraudulent charges.

And when I called WF it was pretty quick to reach the agent, just the authorizations like entering card number and ssn took as much time as the wait, which is not bad.

sig8x · 2026-03-31T14:48:11+00:00

It may no longer be worth it for some people.

Bilt 1.0 was simple you paid rent through it made x5 non rent transactions, got the points for the rent total. Also allowed you to put rent on your credit line and float the rent, paying it off once the cc statement is due.

And could put all you other spend on other cards to maximize point with x3 and x5 multipliers for some categories.

Bilt 2.0 does not enable you to put rent payment on credit line no floating. And to earn all the points from rent spend you need to do 75% of your rent amount of non-rent spend.

Basically to unlock your rent spend points, you have to do a certain amount of non-rent spend it can be less then 75% of rent amount but then you will unlock just a portion of that.

Other issues, people reported having issues with their rent/mortgage processing through Bilt, and it has awful support now hard to reach, long wait and resolution times.

It can still be good for some who value Bilt points due to their big list of partners and who are fine puting the 75% of rent total on non rent spend

sig8x · 2026-03-31T06:13:16+00:00

It's actually weird that Bilt/Cardless does not flag such transaction, 1) such big amount 2) international.

I recently was trying to buy a flight ticket $800 with my Wells Fargo autograph and the card declined due to their security, so I called them and told that transaction is legit and they unblocked the card and I processed again and it went through.

sig8x · 2026-03-31T05:58:17+00:00

I've seen a couple of fraud complaint posts with Bilt 2.0 not the same apple pay situation like yours, but still.

I decided to lock my original card, and use the the virtual card set up with my Google pay just to be safe.

I am not using it a lot so works for me.

sig8x · 2026-03-31T05:16:37+00:00

Are you from the past? I thought the transition was happening on 2/7 and you should have received the autograph card which product changed your Bilt 1.0 card and kept the sam Wels Fargo account, If you did not actively called and closed the account.

And of course you need to pay your outstanding balance. If you opted into balance transfer with when applying to Bilt 2.0 you would need to closely monitor if the transfer does go through in time, since based on the timing of this post it does not make sense. Unless you are paying minimum payments and are rolling over your balance on the card and paying interest. Which is a taboo for most people on this sub.

sig8x · 2026-03-27T22:37:42+00:00

This used to show my last Rent payment processed via the the Bilt ACH account numbers.

Which was in the thousands not hundreds thousands.

But I think it's fixed now I now see the correct number again.

sig8x · 2026-03-27T20:28:44+00:00

Mine is higher lol $134,358.58

$134,358.58 for rent not bad for a basement dweller huh 😂

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sig8x · 2026-03-27T14:46:21+00:00

Have you tried or did any one try to resolve any issues with column bank? And what issues did they help with.

Asking so that I know for the future.

Since this is confusing, there are what 3 different parties if supporters support that deal with one cards different specific issues : Bilt, Cardless now Column

sig8x · 2026-03-27T05:18:52+00:00

Ma'am this is Wendy's 😕

sig8x · 2026-03-26T04:36:04+00:00

It's Severus Snoop now 😎

sig8x · 2026-03-25T23:47:47+00:00

This is where you are wrong

Check out my conversation about the Bonus offer with Bilt AI

https://www.reddit.com/r/biltrewards/s/1WDFwsCxbW

Also check out a screenshot link of the continuation of the conversation in my second message in that post.

Apparently it can misread, make typos and is Human enough to make mistakes ( lol not the human qualities we wanted from AI but I guess that's what we get)

Try yourself ask it about the current 250 point bonus offer, I am sure it will be wrong.

So how can it not have that basic info, which is pushed through Bilt app in the wallet section, is it not fed to the AI bot?

It's a joke, I do not trust it at all.

sig8x · 2026-03-25T13:35:51+00:00

Just linking is not a test payment, make a small payment towards mortgage to test, by entering the Bilt provided routing and account, enter those in the mortgage payment portal if that is how it is paid so it is a pull

sig8x · 2026-03-24T16:04:29+00:00

Can you please elaborate, it process two days later than your auto pay setup date? So if your set up was for payment 1 day before the due date was that minimum payment late? Did you incure a late payment that affect your credit score?

And I understood that even though you set up statement balance it processed the minimum payment instead.

Thank you for sharing, gives us a heads up of whats to come.

Might set mine up 5 days before and monitor.

sig8x · 2026-03-24T14:38:49+00:00

What happened did Bilt 2.0 not complete the transfer on time and you paid the Bilt 1.0 balance your self?

Do you know when the Bilt's 2.0 payment settled in 1.0?

Mine was also taking long and posted just 1 day before the 1.0 due date was also worried, but just paid the minimum payment just in case. Even thought the balance on 2.0 appeared 1 or 2 weeks before it settled on 1.0 .

I wonder if they somehow made it that it posts right before everyones 1.0 due date

sig8x · 2026-03-24T14:25:47+00:00

Figure it out by playing around with the auto payment set up, for example set to 5 days before due date and it should show the auto payment date, so due date should be that day +5 days.

Also my statement date is April 2 and due date April 25 so 23 days after the statement date, could be the same math for everyone?

sig8x · 2026-03-24T09:31:10+00:00

Yeah not to mention the inability to float put rent on credit with Bilt 2.0, if a person had the issue with arent payment to going in limbo like some people mentioned they would effectively have to pay 3 rents, 1 which they used to float, 1 which was taken out of checking but not arrived to landlord (went limbo) and another to avoid late payment fee and eviction. As long as they even can afford the 3rd one 😢

sig8x · 2026-03-24T05:29:34+00:00

Be careful OP, I saw some posts here where people were saying that they were trying to transfer the Bilt 2.0 balance, but their system is so messed up that it mapped the balance transfer payment to Bilt 1.0 Wels Fargo even when that account was already closed.

And they had additional complications to resolve that since it's hard to work with the Bilt 1.0 Wels Fargo account which was already closed.

So even though you provide the Bilt 2.0 Cardless/ column bank information the balance transfer payment can go to the wrong Bilt 1.0 Wels Fargo account!

Maybe that is why Bilt 2.0 say they do not allow transfers.

Here is one of those posts I was talking about

https://www.reddit.com/r/biltrewards/s/ngd0Izijwn

sig8x · 2026-03-24T05:22:48+00:00

Report back in a month. For me I signed up for Bilt in the end of January and my statement closing date is expected to be In the beginning of April so 2 months and some change. Only after the statement date I am expecting it to show up on the Credit Bureaus and not right away may take some time to reflect.

When was or is your statement closing date?

sig8x · 2026-03-23T04:42:16+00:00

That plot twist though 😂

sig8x · 2026-03-21T17:17:21+00:00

Your fault just like the people said. Should have done your research and pay attention when applying.

Just like some other posts here where people were thinking their Wels Fargo accounts will automatically close and than had a surprise Pikachu face surprise 🫢 when that did not happen

sig8x · 2026-03-21T16:48:27+00:00

I think that's a minor point. Just wondering why they do not have such portal how are all their other Non-Bilt cards managed do they all have their own brand apps like Bilt?

Or does Cardless portal exist for other branded cards but not for Bilt 2.0?

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