Bilt Rewards | unitQ Score

Their customer service is absolutely terrible don't have a number to call unless it's for disputes I was told I can't re open my account after it was closed and that I can't re apply for the credit card because I need a whole new phone number because the rewards account can not be closed but the credit card could and that I need a whole new rewards account just to apply for the credit card again and that I need some 36 digit number ID that no one can help me find apparently and then I only find a 10 digit number ID on my app account but that doesn't work either of course

They transfer you like 10 times and impossible to dispute those fraud charges. Do not fall into this trap!!!

It was not cleared how to pay rent online so receiver can get fund in there account with proof of fund delivered on before due date.

This Credit Card is good if you only plan to pay your rent. Even that's mediocre at best. 2 huge problems with this card, firstly the conversion rate for the reward points is low. Just about any Credit Card out there with a 1% cash back rate out paces this card buy .25% or more. So even though you get rewards for rent you can math it out and cover any fees just by the extra % on cash back with literally any card on the market. Secondly the limit is way too low. Just enough to cover a single rent charge but forget about anything else which makes it practically unusable for the everyday spend or the rewards. Twice I've attempted to get an increase and twice I was denied. This is fine by me cause I don't carry a balance anyway but for anyone that wants to use this as an actual credit card well good luck to you. I understand why Wells Fargo reports a loss of $10M per month on this card. If people are basically forced to pay off the balance each month revenue from interest is non existent. That is much better for the consumer however a terrible business model. Now for the app review. It's like a rollercoaster of unattainable random stuff. The interface changes every 3 days and becomes very confusing to even use for simple things like checking your balance. They advertise soooo many perks and ways to use your rewards but what I've found is that you have to choose. Use the card for rewards OR for rent. Unfortunately credit limit restraints don't allow for both. At least not for me.

Its so difficult to just figure out your rewards activity, your point activity should be broken down by statement cycles. Not MONTHS. Or atleast statement start/enddates should be posted on rewards activity so users can figure it out in app. This app tries to do too much with its clustered interface. Please learn from Amex, Chase and Capital one on how to make a banking/rewards app.

App user interface gets worse with every update. Everything is increasingly more difficult to find , with more actions required to get the information I want. Why fix it if it wasn't broken to begin with.

Some kind of confusion with the write-off of funds, the payment was made, the money was not debited from the card, the apartments do not see them, because of this, I was fascinated by the apartments for another $ 140!

Not a great way to have an app work!

It's convenient, but I hate having to pay a $10 fee to pay with my debit card.