Bilt Technologies, Inc. Recenzje 

The Bilt app is absolutely atrocious and user un-friendly. You need two apps, the Bilt and Wells Fargo apps to effectively manage the card. I could not set up online banking through Wells Fargo to enroll in auto-payments, eventually leading late payment a few days later when I overlooked my last statement's due date. I panicked and accidently selected a saved payment method for a closed bank account in the Bilt app to make the payment in full. I realized immediately upon making the mistake and called customer support to explain the error and payed the full balance the same day. It didn't matter; my account was closed for "fraudulent activity." Please do yourself a favor and avoid Bilt and Wells Fargo all together.

The card has a lot of potential and offers great benefits, but honestly, its policies make it very inconvenient to use. The biggest issue is the payment process if you don’t have a Wells Fargo debit account. You’re only allowed to make three online payments — after that, you’re forced to call a representative, answer unnecessary questions like your full address, apartment number, full name, etc. It’s a slow and absurd process for something as basic as making a payment.

I’ve had to spend up to 40 minutes on the phone just to complete a single payment. To me, this feels like a tactic to pressure users into opening a Wells Fargo account, which is completely unacceptable. Personally, I prefer using my American Express cards, where making a payment takes seconds and involves no hassle.

Additionally, the process to verify citizenship or residency was also unnecessarily long, confusing, and bureaucratic. All of this makes the customer experience frustrating, even though the card itself offers decent perks.

In short, the product isn’t bad, but the customer experience definitely is. They need to update their policies, stop forcing conditions on users, and make the card easier to manage. If they don’t, they’ll continue losing users who, like me, prefer more practical and user-friendly cards. I hope they take customer feedback seriously because there’s a lot they need to improve.

6/9/25 Bilt closed my account for no explanation. Backstory - I made the full payment to my account every Friday for over a year. Then, all of a sudden, the payment stopped going through. I called customer service and they said we can't explain why it didn't go through over the phone and you need to wait to receive a letter. I just received the letter (6/23/25), after the account was closed on June 9th and keep in mind - payment is due 7/1/25! The letter says "your credit card no longer meets out lending requirements based on a suspicious payment or account activity." I never changed my bank account or missed a payment. Confused, I called Customer Service (833-404-2272). After about a hour and half, and getting transferred 5 times, they told me that they don't need to provide an explanation of what suspicious activity they found and can close my account for any reason. I am now going to every website I can find to bring awareness to how horrible Wells Fargo is and especially the Bilt Credit card. I have perfect credit, never missed a payment, and I have multiple credit cards. This is my worst experience to date. STAY AWAY!

Worst experience making a dispute. When I called initially the guy was like oh yeah these go through all the time, specifically said I could dispute again after if it doesn’t go through, then, it didn’t get approved and they said there was nothing else I could do. I was out on multiple rounds of exhausting holds with Mark who each time said the same thing- unfortunately there’s nothing we can do bc xyz when the initial person I called said he would submit the claim if it was him. There gos $900. Terrible customer service and considering canceling my account!! Never experienced this before.

BILT rewards and intended use of the associated Wells Fargo Mastercard were both a disappointing and frustrating experience:

I opened a BILT rewards account and the associated Mastercard for the billed purpose of paying rent and utilities in order to earn points on my associated credit card miles account. I used this process for 3 months (or attempted to) before closing account. Here is what went wrong:

1. when paying rent/utilities with the card's associated routing and account numbers, payments must first be "authorized" EACH TIME in the app/website.
2. only one account is eligible for "auto-recurring authorization"
3. the second/additional account(s) must be manually authorized each month. In my experience, this process is faulty and unreliable.
4. My RENT was DECLINED TWO MONTHS IN A ROW due to the authorization process not working (despite getting a confirmation page with account information telling me I was good to proceed with payment on processor's website, both times).
5. These errors not only resulted in $100 of insufficient funds fines, but also damaged my relationship with my apartment leasing agency.

To add to this frustration:
-BILT has no live customer service.
-The chat app took OVER 4 HOURS to put a "live agent" on the chat & they were unable to resolve my issue, resulting in an email chain anyway.
-BILT then sent automated emails daily reminding me of an open ticket and closed the ticket when it took me 2 days to complete necessary steps and reply. I am still waiting to see the resolution of my request to close the BILT rewards account...

Wells Fargo owns the credit card - they closed my account (as far as I am aware) quickly and easily with one phone call.

2 small positives:
- BILT reimbursed me for one of the $50 fines (after they failed to approve my rent payment for the second month in a row) and this refund was a seamless and quick process.
- transferring points to your associated credit card is easy and worked as billed
**just be aware that you do have to make 5 transactions inside each statement period (including rent/utility payments) to 'unlock' those reward points.

Unless they remove the pre-authorization step, this card/process is unreliable, and the penalties of declined payments are not worth the points value in my opinion.

It is the most worst service I have ever experienced.

I really want to give 0 star but this system does not allow

Cons:
1. Unreliable System
I enter the right address to the system but it shows wrong address. KYC (Know Your Customer) process is the most important principle to guarantee their bank integrity. I have been working in the Investment Bank over 10 years now and failure of the KYC process is the major issue needs to be fixed ASAP but they just tell me "wait" almost a month and never fixed

2. Worst Customer service experience.
It is almost impossible to contact them via phone or a chat. Once I saw the problem in #1, I have tried to contact them but I could not even I waited over 3 hours.

Moreover, I paid my bill using their "billpay" service but all of them are failed and I got a charge back. However, before I got charge-back, CS told "Oh it is processing... you can use even system does not show incorrect address" But it is lie.

Pros:
I can close this the most horrible and worst service via email. No need to wait never-answer chat or phone-call.

Terrible company. They have set it up in a way that when you submit payment you tap into your credit utilization with them and it tanks your credit score. Terrible product.

Seamless user experience. What really did it for me was when they changed the payments portal (and with it, my routing & account numbers for paying rent), they were immediate with sending new micro deposits so I could verify with my payments portal before rent day. What it demonstrated about their customer service, and urgency to resolve issues, was powerful to me.

You need to call Bilt... no, you need to call Wells Fargo... let me transfer you... this was today's experience of over 2.5 hours and 11 calls, all for a measly $75 payment on a merchant site. No resolution whatsoever, even though I spoke to supervisors. It's horrible, and I will be cancelling my card as soon as possible.

Applied for the BILT Mastercard with a 750+ credit score, no missed payments, no balances carried, and high income. Denied solely due to the number of “revolving bankcard trades opened in the last 24 months.” These included upgrades to existing cards and airline cards chosen for specific travel benefits — all responsibly managed.

I spoke with BILT customer service and escalated to a supervisor, who couldn’t provide a clear threshold or reconsideration path. Very disappointing experience for a customer with strong financials. Sharing this so others can be aware before applying and taking a hard credit pull.

The worst app ever, lived at my community for over a year and all the rewards I collected was $24 bucks, you have to die here to get your full rent paid off with rewards. Also have a horrible processing policy, I cannot remove an old card, and bilt has it set as default and when trying to stop transactions because I noticed it was the wrong account it still processed then said it was not able to process(no shit cause it’s an old expired card) and now it’s saying I can’t pay. The worst app ever. Rent cafe was so much easier.

Utterly awful user experience, across the board.
Literally nothing works on their website.
You can't add a credit card. You can't add a bank account. You can't pay rent.
If your property management ever transitions to Bilt, do yourself a favor and move out.

This has been the worst platform I have had the misfortune of using. I moved into an apartment complex that uses this system as a way to pay rent. It has not worked the past two months so now I have to get a cashier's check, personal check or money order to pay my rent. This is extremely inconvenient as I travel a lot for my work and now, I have to take time off to get a cashier's check as I don't have personal checks; all payments are online since most banks now charge more to process paper checks over online banking/payments. Horrible system! The first month after moving in, it didn't even post charges correctly!! Maybe that's why they have a rewards system in place so that users bypass the inadequacies of this platform.

The worst system in the world! AVOID AT ALL COST!!
They make it out to be easy but then they take your money and cause nightmares.
We tried paying rent with it for the first time, they say you can pay through venmo by attaching a card and then you can pay rent through that.
They'll deny it by saying "it's not rent" then they'll still charge you, plus their fee, then they'll say that the payment didn't go through.
I've talked to customer service 3 times and everytime customer support starts "looking up the account" the chat has "errors" and then disconnects. No help no service and now no understanding of what happened.

I’ve had the absolute worst experience. It’s a total scam. They purposely have a max credit of 5k but also make you have at least 5 subscriptions linked to the card in order to get your points. You are likely to hit the credit limit because rents in nyc are so expensive so the autopsy never goes through and they start charging late fees and such. I have been battling with them for 20 days now emails and messages back and forth because they don’t have a phone line for customer service. They processed my rent payment as a card statement rather than a rent payment so my building hasn’t been paid and they won’t return me my $4.8k I paid already that they did not process correctly. They are asking me to submit another rent payment. So pay rent TWICE and gift them $4.8k. The headache and time spent in this bs is not worth their garbage points. I feel they are managed by the same people of fyre festival lol

I've been a user of Bilt for quite some time, initially, it was a fantastic, Everything was conveniently linked to a single card, making it easy to manage my rental payments along with other bills and insurance. The process was seamless and automatic, which was a major selling point for me.

However, Bilt has recently changed its policy, and now the entire experience is a hassle. Instead of the previous automated setup, I now have to log in to Bilt about a week before my payment is due, create a Bill Pay, and only then will my rental payment go through.

The most frustrating part is that there is no way to set up automatic payments. Once a Bill Pay is created, it only stays active for 5 days. If I miss that window or forget to log in, my payment won't go through. This is especially concerning if I'm on vacation or dealing with a busy schedule.

The added stress of having to manually log in every month to create a Bill Pay is a huge inconvenience. If I don't authorize the payment in time, there's a risk of the transaction being declined, which could lead to late fees from my bank or the payment processing platform.

On top of that, their customer service is a nightmare. They don’t provide a phone number for support, and you’re left with only chat or email options. The chat is painfully slow, with every response taking 2–3 minutes. This makes it incredibly difficult to resolve any issues quickly.

What was once a simple, automated process has become unnecessarily complicated. It feels like a step backward, and the risk of missed payments is something I’d rather not deal with.

I've had the card for a year. Lats year customer service was AMAZING!!! This year, they probably pulled a lot of their customer service out (reduce cost) because WF was loosing money. SO this year, they are like robots. They wouldn't answer a question because of security issues. But it's my card, my account and they verified me; no, can't do it - SECURITY.

I applied for a card and hadn’t received the physical card in the mail for 3 weeks. I called customer service and they passed me to 12 PEOPLE who all could not answer why I hadn’t received it. Finally, when the last transfer wouldn’t go through, the lady LET ME KNOW that my account had been canceled because I didn’t respond to a letter I had never received. Putting aside the fact that they closed my account and didn’t notify me at all, you’re telling me 11 people couldn’t see that when they pulled up my information?? They all give me different reasons as to why I hadn’t received the card “still processing”, “address updated”, etc. but no one knew that my account had closed?? And had closes because I didn’t receive a letter that I was never told would be sent to me? When I was proved my approval email stated “you will receive your card in 7 business days” NOTHING about another letter that I had to fill out and send back. Don’t even bother with this card or their customer service.

Leaked credit card data, canceled without automatically renewing. Called three days in a row, each time they lied. First guy said Apple Pay would work in 5 min, but it didn’t. Second guy said it would arrive tomorrow. Third guy said it would arrive 1-3 business days. Either the company has no standardization of policy/information, or their employees are liars who just don’t care. Maybe both

Rent benefit -- very misleading. You must spend $309,000 on the Bilt card to qualify for a $1700 rent benefit.
Here's the math:

Earning Bilt Points:
1. Rent Payments → Earn 1 point per $1 (if paid via Bilt Mastercard).
2. Dining → Earn 3 points per $1.
3. Travel → Earn 2 points per $1.
4. Other Purchases → Earn 1 point per $1.
________________________________________
Scenario 1: Earning via Rent Only
• If you only earn points from rent payments (1 point per $1 spent),you'd need to spend $309,091 on rent to accumulate 309,091 points.