As someone still dawdling on the sidelines without a card… where are those reports? On Reddit?

(I almost jumped on the card a few months ago when some blog reported that everyone gets the quasi-SUB, even though I don’t have any rent - or similar - monthly payment. Up by the time I had made up my mind, Bilt had let it known that that was in fact not the case after all… and I really don’t feel like getting a new card without a guaranteed SUB)