Bilt Technologies, Inc. Opiniões 

I was a loyal user of Bilt Card 1.0 when it partnered with Wells Fargo. At that time, the experience was smooth and transparent. I used the card to pay my apartment rent every month, and it worked exactly like a normal credit card — I had the standard billing cycle and about 30 days of float before paying the bill. It was simple and reliable.

Because of that positive experience, I was actually excited when Bilt launched the new 2.0 version. I trusted the company and upgraded to the new Blue card (the no-annual-fee version) without hesitation.

The marketing around Bilt 2.0 repeatedly suggested that you could use the card to pay your mortgage, which sounded like a huge benefit. Naturally, I tried it.

But what happened next was extremely disappointing.After I used the card to pay my mortgage, Bilt withdrew the full mortgage amount directly from my linked ACH bank account within 24 hours — without any clear warning or notification.

This completely defeated the purpose of using a credit card. There was no billing cycle, no float period, and no transparency beforehand about how the payment actually works.

More importantly, it disrupted my monthly cash flow planning, because I expected the payment to follow a normal credit card billing schedule.

To me, this feels like misleading marketing. Bilt heavily promotes the idea that you can “pay your mortgage with the card,” but fails to clearly explain that the money will be pulled almost immediately from your bank account.

That’s not a credit card experience — it’s basically acting like a pass-through payment processor, and that critical detail was never clearly communicated.

As a former loyal user, this experience completely destroyed my trust in the company.

On top of that, the new points-earning rules in Bilt 2.0 have become unnecessarily complicated and confusing. What used to be a simple, user-friendly product now feels overly engineered and difficult to understand.Honestly, since the 2.0 launch, the product feels more like a marketing gimmick than a genuinely trustworthy financial product.

I never expected to feel this way about a company I used to recommend to others.

If you're considering this card, please read the fine print carefully and understand how their payment system actually works.

I hope my experience can help others avoid the same disappointment.

The new bilt 2.0 is so stupid. They make you spend more just so you can get the 1:1 points on your housing/rent payment. When it was with Wells Fargo you got that anyways with the caveat of needing 5 transactions (no minimum). So stupid, bring back the old agreement. Now you only get 250 points and have to spend a crazy amount just to get the points you got before.

This card has turned to absolute crap. They were not clear about the new rules and made everything very complicated. You cannot float your rent anymore which is one of the only reasons to have this card. Way to turn a good thing into an absolute disaster!

They canceled/returned my rent payment with no clear explanation, and because of that my leasing office charged me a $200 late fee. Support still hasn’t explained what failed or provided any return reason/code.

The only “explanation” I found was by reading other people’s reviews — apparently you can’t use the Bilt credit line for rent anymore and payments are pulled from your personal bank account instead. If that’s true, then this card has lost its main purpose for me.

The worst part: I’ve been trying to reach support for over 72 hours and I can’t get a real response or talk to anyone. This is unacceptable for something as serious as rent.

I paid fees for this card and ended up losing more money than I ever saved in points — between the late fee and the extra charges. Terrible experience.

Things have gotten worse for the Bilt Card users since the last update. Now they charge of the card, which defeats the purpose of having one. Please beware! Their customer service people lie blatantly and offer poor support. They have no answers for you anymore. So, avoid wasting your time.

The bar is already low for customer service now a days but bilt has taken the cake. Generic AI chat bots have now taken over and will never resolve your problem. I’ve been trying to get someone to answer me for days with not even a first touch from a human. Just atrocious the level of respect they have for their customers.

Formal Complaint – Lack of Support and Mishandling of the BILT 2.0 Transition

I am filing a formal complaint regarding the extremely poor customer support and the chaotic rollout of the BILT 2.0 system.

The transition to this new system appears to have been implemented without proper communication to customers. Critical information about billing behavior and account handling was not clearly explained, leaving many users confused and dealing with financial and account issues that could have easily been avoided with transparent communication.

What is even more unacceptable is the complete lack of meaningful support. I have been waiting for more than three days for assistance and have yet to receive a real response from a human representative. Instead, I continue to receive repetitive copy-and-paste messages that clearly come from automated systems and do not address the actual questions or problems being reported.

Customer support should exist to resolve issues, not to send robotic responses that ignore the situation entirely. This level of service reflects very poorly on the company and demonstrates a serious failure in customer care.

It is extremely disappointing to see such a lack of accountability from a company that handles financial transactions and customer trust. The absence of clear information, combined with ineffective support, has created unnecessary problems for users.

If this issue continues to be ignored, I will be canceling my subscription and removing any association with this service. I will also continue to share this experience publicly so other customers understand the level of support they can expect.

Customers deserve transparency, responsibility, and real assistance—not automated replies and silence.

This situation needs to be addressed immediately.

Bilt 2.0 is a total bait and switch. The 1.0 version applied rent payments to the credit line, while the 2.0 version requires rent payments to be debited directly from a checking account. This completely defeats the reason I was using a Bilt card in the first place - cash management. This material and major change in handling rent payments was not made clear during the transition process from 1.0 to 2.0. The so called customer service is non-existent. Currently waiting for an "agent" and have wasted nearly 2 hours todays trying to reach a real person.

I’ve been a loyal Bilt member for years and hold both the Bilt 1.0 and 2.0 cards. I previously paid rent via PayPal without issue.

After the Bilt 2.0 update, the PayPal option disappeared. I contacted their chatbot and was instructed to generate a routing/account number under “Property Rent Portal” and link it to PayPal. I followed those instructions exactly.

Bilt then rejected the payment. PayPal processed the transfer attempt and is retrying, putting me at risk of NSF bank fees and rent delinquency.

I’ve tried email, app chat, SMS, and social media — zero human response.

For a company built around rent payments, this level of product confusion and lack of support is extremely disappointing.

Was a great card I recommended to anyone that had housing payments for a couple years. As most here are saying, they moved to 2.0 and I’m not sure I’ve ever seen a company plummet their client experience like this. Suddenly, now there is no chat or phone support available. Communication completely scattered and misleading. I will keep the card open simply for benefits of usage on my credit score, but there are so many other credit cards with better perks that deserve your business.

Bilt 1.0 was confusing. Bilt 2.0 is horrible.

Biggest issue, the department that handles rent payments is only available by text or email. There is no guaranteed response time. I paid my rent a day early. My landlord got a message saying it would process in 2 business days. I asked the chat bot for help, it told me 3 business days. It has been 3 business days. No payment, no guarantee I'll hear back any time soon from the emails I sent to the rent support department (received a high 'call' volumes message too), and if the payment doesn't process by the end of tomorrow, I get a late fee. Believe it or not, the company does have two phone lines you can call, which are fairly useless, because neither addresses rent payment inquiries, you know, that payment that keeps a roof over your head every month.

I have had 3 payment issues with the company over 6 months as a user. 1st was my mistake, the instructions for Bilt 1.0 were complicated, and my mistake ended up getting my Venmo account frozen. 2nd issue, my Venmo was frozen again when they failed to tell us in advance they would be deactivating the old rent payment system on the day I happened to pay my rent with no prior notice, 4 days before the new cards were due to activate. This is the 3rd. 3 strikes and I'm out.

Do not trust this company. Zero accountability. Their customer service system is utterly unhelpful, and takes ages to get back to you. Will be closing my account as soon as this payment processes. Too bad the cards are made of metal and nearly indestructible. This is all to say nothing of the overhaul of the rewards system to only add value to users spending over 25% of their rent amount on other card purchases. I dont even care about that at this point though. $3.3K has left my account and been in limbo for 5 days (3 biz), they have violated their own terms, with zero accountability. Mine as well be DOGE at that point. Do not trust Bilt. Never paying my rent this way again. Goodbye Bilt, another scam American company with zero accountability or care for its end users.

I submitted a rent payment through Bilt 2.0 - obsidian on February 27th. The money was withdrawn from my bank account, but my landlord still hasn’t received it.

It was never clearly explained that adding a new payment card could require up to five business days or that a rental agreement upload would be required. When I tried to upload the document, the system repeatedly returned an error.

The biggest issue: there is no real customer support.
No phone number. No way to speak to a person. The AI chatbot is useless and only provides scripted responses.

I am currently traveling and this delay has made my rent late, yet there is no urgency and no clear answers about where my money is.

For a company handling rent payments, this level of support is unacceptable.

I’ve been a longtime Bilt member, but since their recent platform transition and issuer change, the experience has been extremely disappointing.

During the switch to the new Bilt Card, their system malfunctioned and incorrectly denied applications — including mine — despite an 800+ credit score. I was informed directly that there were internal system issues affecting qualified members.

It has now been over two months, and despite executive acknowledgment of the problem and a promise of manual review, I have received no resolution, no follow-up, and no accountability.

Customer support has been unresponsive and unable to provide meaningful updates beyond generic responses. Meanwhile, I’m left dealing with the fallout of an error that originated entirely on their end.

I strongly recommend that anyone considering applying wait until the platform and servicing issues are fully stabilized. At this time, the lack of communication and resolution is unacceptable.

submitted mortgage payment via Bilt, amount deducted from my checking account. 16 days later, did not received by lender, and contacted Bilt support multiple times, zero response. Money just disappeared. Never use this firm.

I have autopay set up through BILT. They didn't debit me the full amount for this month, therefore, I was charged a late fee. I have attempted to contact support, but it is nearly impossible to contact a real person.

From everything I saw before applying for this card.. you could use it to pay rent and it would apply to your credit line. I used for the first time this month and apparently that’s not the case anymore with 2.0. There’s no point to having this credit card if you can no longer use it to pay rent. All it’s basically doing is acting as an unneeded middle man to ultimately just to use your bank account. The only reason for getting this card was to use it to pay rent then immediately paying it off once I got my paycheck. This card is useless.

Absolutely awful. I used my linked Venmo account to pay rent in the Bilt app. They took the money out of my account but never sent it. They said it can take up to 3 business days for the recipient to receive the payment but it’s been longer than that. Their customer service is horrible and will not give me a straight forward response to where my money is or how to remedy it.

I really enjoyed the Bilt 1.0 card. As soon as the Bilt 2.0 started everything went down hill. They removed the ability to float your rent payment. The reason I got this card is so that I can pay half for my rent with my first paycheck of the month then pay the rest with my second paycheck. Now they take your rent and mortgage out of your bank account directly. This was not clear to me when I applied for the 2.0. There is no reason to even keep this card anymore unfortunately.

No customer service (3 hour wait time and counting)
No way to set up card alerts
No information on how to set up account with new Bank/Card Issuer

Overall transition has been horrible, and I'm looking forward to any other company to handle my credit card charges. PASS ON THEM.

When Bilt was partnered with Wells Fargo, it was my favorite credit card. The customer service was outstanding, and the card offered excellent perks and benefits. Transactions were clear, and it was easy to see where to apply your reward points, rewards, etc. If you had any questions, there was always someone ready to answer them. I thought Ankur Jain, who created Bilt, was brilliant—a credit card that let you pay rent and mortgage while offering great perks, benefits, and customer service. Unfortunately, greed got the best of him, and he made a terrible mistake by switching from Wells Fargo to an unknown bank. Now, it’s nearly impossible to understand what's happening to your account online. There’s no number to call the bank and when you try to reach customer service at Bilt itself by phone, it’s impossible to reach anyone for help—they keep you on hold for anywhere between 30 minutes and an hour and a half, and when you finally get through, you’re often disconnected with no call back. Trying to get help online is just as frustrating; no matter how many payments you make, it’s unclear where the payment is going or what your credit line is in a timely fashion. Additionally, instead of maintaining customers’ credit limits, particularly for cardholders in good standing, and professionals like myself, they arbitrarily decided to lower the credit card limit significantly. I am not just speaking for myself, as I personally recommended this card to several family members, friends, and colleagues who are experiencing the same issues and disappointment. Today, the new arbitrary credit line from an unknown bank barely covers rent, especially in a place like New York City. Needless to say, it went from being my favorite credit card to my worst. The irony is striking—they now offer elite memberships like the Flyfish Club Experience for $3,500 annually, yet my new card’s credit limit is just $4,200 compared to the $25,000 I had with Wells Fargo, their previous bank. It’s unbelievable, unacceptable, and deeply disappointing to see how greed can undermine the vision of someone as sharp as Ankur Jain, who initially created such a promising concept with Bilt. I hope my review is taken seriously, as I guarantee you there are many who feel the way I do.