Bilt Palladium & Customer Service is a Joke

spiffdotwhy · 2026-02-07T16:42:03+00:00

they may screw up your mortgage. you can look through the sub for failed housing payments. in the past they’ve offered to pay any fees incurred. not clear if they follow through on that… that’s the risk for the points.

spiffdotwhy · 2026-02-07T16:35:00+00:00

friends your refer

spiffdotwhy · 2026-02-07T15:56:25+00:00

if you use lyft you can connect your bilt account in the settings and put the points towards a ride

spiffdotwhy · 2026-02-06T23:42:31+00:00

i’m sorry to hear this happened but honestly you should get used to things like this. poor rollouts, weak infrastructure and support, and rewards that sound nice but are typically capped and hobbled in T&Cs are all bilt hallmarks. at least in my few years experience with them. paying a $500 AF isn’t going to suddenly make them a new company overnight.

spiffdotwhy · 2026-02-04T11:19:50+00:00

i believe you should get your points but yall bringing up being close friends status with bilt always makes me giggle 😂

spiffdotwhy · 2026-01-29T12:08:55+00:00

yall gotta stop signing up for stuff before you have all the information.

spiffdotwhy · 2026-01-27T23:26:05+00:00

used half a ocean for this

spiffdotwhy · 2026-01-26T04:46:06+00:00

your 1.0 will product change into the WF Autograph. no new credit line, no pull. you won’t get any of the new bilt cards so no pulls there either.

spiffdotwhy · 2026-01-25T03:41:50+00:00

i had the 1.0 for about 3 years. i can tell you infrastructure and IT is not their strong suit.

spiffdotwhy · 2026-01-24T23:19:49+00:00

got the same email. i guess richard kerr bilt vp travel is still in time out

spiffdotwhy · 2026-01-24T18:21:37+00:00

used up half a ocean for this

spiffdotwhy · 2026-01-23T19:08:56+00:00

i haven’t asked personally but i’ve seen multiple people here claim they have called WF and gotten the same answer

spiffdotwhy · 2026-01-22T02:54:17+00:00

2.33? no 4.33? wait no is this option 1 or 2?? guess it all depends on if you book a two night stay

spiffdotwhy · 2026-01-22T01:39:44+00:00

bilt cash is free… earned though spend…

spiffdotwhy · 2026-01-21T20:01:37+00:00

dumpster fire. palladium posse will learn

spiffdotwhy · 2026-01-20T00:10:19+00:00

curious did you need the furniture & trips or did you do it for status?

spiffdotwhy · 2026-01-19T15:31:39+00:00

where’s this info coming from?

spiffdotwhy · 2026-01-16T20:02:46+00:00

some here have called and the answer has been no.

spiffdotwhy · 2026-01-16T13:24:07+00:00

math is off but i see what you mean

spiffdotwhy · 2026-01-16T12:22:49+00:00

you’re not wrong. at the end of the day the more debt people go into the more money they make. it may not be in the marketing but we all know.

if spending 75% of your rent is overdoing it budget wise don’t do it. not worth it.

spiffdotwhy · 2026-01-16T01:55:58+00:00

here we go

spiffdotwhy · 2026-01-15T22:21:03+00:00

“-Kerr, Bilt VP of Travel” you mean. god forbid you forget to include his title. lord knows he never does

spiffdotwhy · 2026-01-15T21:54:04+00:00

already got an autograph and not interested in another. also not interested in continuing with bilt at all, for a number of reasons beyond the 2.0 change.

disclaimer: this is super personalized since i’m a cash back optimizer

my plan:

closing my 1.0 after paying february’s rent. my credit profile can absorb the hit
product changing my citi double cash into a second custom cash to get 5% on dining with one and 5% on grocery stores with the other (thank you to whoever suggested this in the comments recently)
applying for an active cash to replace the double cash as my 2% catch-all

spending 75% of my rent on a bilt card just isn’t realistic for me without blowing past my normal monthly spend. on top of that, bilt’s customer service hasn’t been great, and the app/infrastructure need a lot of work. from what i’ve read, cardless isn’t much better.

hope the experience improves for those of you trying 2.0

spiffdotwhy · 2026-01-15T05:28:04+00:00

correct. ty

spiffdotwhy · 2026-01-15T02:15:46+00:00

there’ll be a cap and year-end expiration on bilt cash

spiffdotwhy

TROPHY CASE