I've been prepaying my HOA fees in 6-month increments since last year, but I'm thinking about prepaying my HOA fees for 12 months the next time (in August). I'll subsequently transfer out Bilt points (to the nearest 1000 increment) to limit my exposure. I agree with Dr Jabadski that I'm uncertain of Bilt's future.

I'm wondering if Bilt folds if Wells Fargo would just product change everyone to one of its in house cards. Maybe the Autograph card?