Bilt Technologies, Inc. Recenzje 

You can no longer use your Bilt 2.0 credit line to pay your rent and they will debit your bank statement in 24 hours. The lack of transparency is mind boggling!!

BILT Is criminal. They are torturing customers since splitting from Wells Fargo. They are doing illegal things such as transferring balances without any authorization. They will not allow you to speak with anyone with authority (those people are hiding) you can only get reps in Mexico who speak poor English, have no authority, and are extremely rude. There needs to be immediate government oversight of their business practices. I am filing complaints everywhere.
This website asks for date of experience but the date is everyday since February 7, 2026 when the split from Wells Fargo occurred.

One of the worst products since they moved to the 2.0. The whole object was to have the cash flow and if you cannot have that despite the obnoxious fees, it defeats the purpose. I hate this product and the customer service is an absolute disaster. One of the most rudest, ignorant people who do not know their own products and their workings.

Screwed over roommates with no notice by making it to where you can’t pay less than the full amount. Also customer service is terrible and expect at least a week to be able to reach a live person

If I could give BILT zero stars I would. I have requested my account to be closed repeatedly and they won’t respond. They have my bank info and I want it closed. I’m
On longer using a rewards card because they screwed me over in the transition and I lost my points somehow. I want my account closed and they just won’t do it. They keep saying they need to elevate the situation. CLOSE MY ACCOUNT NOW!

I have been trying to contact ANYONE for two days. Phone pushes you to text, which seems to be the same system as the in-browser chat. They reply "you are currently in the queue and will respond in order". I have been in this "queue" for two days now, the in-browser option closed my chat after 4 hours. The iMessage version just never replied.

Wish I could give zero stars! It used to be great for paying rent since the changes it’s horrible. I sent a rent payment and had the new bilt card as the payment source like I have done four years in the past. My rent payment was returned because my bank account was not connected to the build app so it looks like you’re paying with your card when all the actuality they are taking it from your bank account if I would’ve known that, I would’ve had the bank account connected so over $100 and fees for no reason when I had the cash I could’ve paid directly to my landlord. also, there’s no way to get a hold of customer service except through a text message and I’ve been in the queue for over four hours waiting to talk to somebody. Stay clear of this company.

I am extremely frustrated with the new Bilt 2.0. I originally got this card to make rent payments so that I could receive the credit score benefits and pay off the credit card balance later that month from my checking account. The new Bilt 2.0 no longer allows you to make rent payments with your credit line and instead, it pulls the payment from your linked checking account. When I contacted support, they said that the only resolution is to connect a different third party credit card to your account to use the credit line from another account instead. That completely defeats the purpose of me having a credit line through Bilt. They need to go back to letting us use this card to make rent payments. This was a highly frustrating and disappointing experience.

I absolutely loved Bilt when it was managed under a Wells Fargo card. You could pay your rent with your credit card at no fee a week to two weeks sometimes before your paycheck. You can actually utilize the credit on your credit card. With the new change over, you can't use any of your credit line, all rent payments are auto debited from your checking account within 24 hours. Completely defeats the purpose of ever getting this card or the app. Bilt needs to return the ability to pay rent with your open credit line immediately.

I am writing this to warn anyone considering the Bilt Palladium card issued by Column N.A. and serviced by Cardless Inc. I applied and was approved in early February 2026, receiving my card on February 2nd. What followed has been the single worst "premium" banking experience I have ever encountered.

The Timeline of Failure:

Feb 4: Before the official launch, Bilt / Cardless restricted my card for "unusual activity" before I even had the chance to use it.

Feb 7 (Launch Day): Tried to activate the card. I received a "Failed to activate" error. I opened my first support ticket immediately.

Feb 7–15: Multiple phone calls and emails. Cardless Support admitted to a "mass technical failure" but provided no timeline for a fix.

Feb 16–Present: The error message changed to "Invalid CVC," making the card a literal paperweight. I cannot use the digital wallet, the physical card, or access the benefits I am paying for.

After a few days of trying to activate the card it went back to the "Failed to activate" error.

Broken Promises and Missing Benefits:
Despite paying a $495 annual fee, I have been denied every advertised benefit of this tier:

Expired Promotions: Due to their technical lockout, I missed the deadlines for the 5X Activation Offer and the Digital Wallet 3 day activation boost bonus.
The worst part is the 90 day time window I have to meet the SUB are already counting since February 7th.

Zero Accountability: I have contacted Cardless support over 10 times via phone, email, and chat. I have spoken to nearly a dozen different representatives. Every single time, I am told it is being "escalated" and to "keep waiting."

The Verdict:
Bilt / Cardless launched a "premium" product without the infrastructure to support it. They are happy to charge a high annual fee but are seemingly incapable of providing a functional credit card or basic customer service. As of February 24, nearly three weeks after receiving the card, it remains a brick. I smell a class action lawsuit coming soon....

The worst part is that if I cancel my credit card now my credit score has already taken a hit due to the hard pull it received when I applied for the card, and to make matters worst Bilt/Cardless have not offered me any kind of compensation, being bilt points, bilt cash or a $495 statement credit.

If you value your time and expect a high-end card to actually work, stay far away from the Bilt Palladium issued by Column N.A. and serviced by Cardless Inc. They have held my credit line and my money hostage with zero resolution in sight.

I don't understand what this app is for honesty! We were forced to download the app to receive "rewards" if we pay rent on time. But I haven't received any when I always pay my rent on time even before the app. The free rent is ridiculous because I've never heard anyone actually "winning" a free rent.

Worst customer service experience. There’s no way to speak with a live representative, and the support options are extremely limited. I waited four minutes to connect to live chat, responded within five minutes, and the chat was already closed. Very frustrating and disappointing.

Well, it finally happened. Bilt upgraded and started to charge for the card. Now their customer service is absolute crap. Anyone who "upgraded" just lost all their statements for 2025. Trying to do your taxes? Need your statements? You're crap out of luck. They are sending folks to Wells Fargo and saying "Good Luck" trying to get your statements. I have never been so bewildered by the lack of accountability from a credit card company. STAY AWAY FROM THIS COMPANY. I predict bankruptcy in it's future.

Great, innovative CC, however, customer service is practically non-existent. They rely on AI chatbots. If you need to speak to a real person, there is no way to get someone on the phone. They claim they get real agents on the chat messenger, but it has been almost an hour of waiting in queue (as I type this), but still nothing.
The reason for reaching out is because they transferred the wrong amount to the "new account" after dropping Wells Fargo. After reading a bunch of reviews on here, seems like the same goes for a lot of other angry customers.

Also, they're very unclear about how to get bonuses. They told me if I used my card at a certain restaurant, I would receive 6X the points. When I noticed I only received 3X, they told me it was because I didn't use it on the first of the month "RENT DAY." I looked and looked and no where does it say that I need to use it on the 1st of the month to receive 6X. They apologized for the misunderstanding. I was only able to receive 6X the points after I threatened to get my lawyer involved. They're sneaky and near scammer territory.

DO NOT USE THIS CARD. Complete scam. Customer support non-existent.

While I was excited to give Bilt 2 Palladium card a try, it’s been extremely disappointing experience and one issue after another. One would hope that Bilt would ensure that product is ready before it’s rolled out.
Aside from activation and transaction view issues, the latest is that all Bilt credit card payments made through Bilt are held for 5 days before they post even though the funds are deducted from the checking account the same day. Which means Bilt receives the funds and is utilizing them but doesn’t credit the account for almost a week.

While I can understand that there maybe a 24 hour processing time same as other financial institutions, the fact that Bilt holds customers funds for their own use for 5 days before posting is simply unacceptable.
Very disappointing

This is an unmitigated horrible fail.

Been at this for 5 days now.

1) 'They' stick you with the Wells Autograph card whether you said you didn't want it or not.

2) All notification ability is gone (i.e. new transaction etc.)

3) Paypal dissapeared as a payment method.

4) I tried to set-up a second Mortgage Payment - but Plaid keeps failing, but I did get messages it worked - but unconfirmable

5) There is ZERO support in any chat. Just some note it's busy.

Horrible customer service. Impossible to talk to a human. No landlord should partner with Bilt.

Had to call and update address. Instead of just being able to make the change myself online in my account, I had to call and be put on hold forever. Now I have to send proof of new address, after verifying all my social and personal info with the agent. How stupid!

I am deeply frustrated and genuinely alarmed by my experience with Bilt's customer service. Despite multiple attempts to contact them through their phone line and 24/7 app support, I've only encountered AI bots no option to speak with a real human. This lack of live support is unacceptable, especially for a financial service handling sensitive banking information.
The issue I'm experiencing stems from a glitch in Bilt's system that prevents proper recognition of my Wells Fargo checking account, even though it was successfully set up via Plaid months ago (confirmed by an original email from Plaid) and reconfirmed last week. When I try to disconnect and reconnect the account through the Bilt app, I repeatedly get error messages, leaving me stuck and unable to resolve the problem.