Originally Posted by gudugan

I set up BillPay. I don't feel like this process is any different but just adds extra unnecessary steps. I don't think it tested my linked bank account's balance (I'm using BiltProtect still as I don't really want a hard pull for a credit limit increase at the moment)

I'll add an anecdote that I don't think the proportion of Platinum and Gold members in their target audience is very high. Today on March 27th you can book a free fitness at 10:50AM ET for Platinum and Gold members and 11:00AM ET for Silver and Blue members. At 10:59AM ET, only a few spots were filled in the NYC classes and maybe one spot here and there in other locations. The app experiences a large slowdown then when everyone tries to book at once - popular classes fill up almost immediately at 11:00AM ET while the rest fill up in the next 45 minutes (at 11:41 ET there are still a handful of spots left).

Obviously not everyone cares about fitness classes, but I'd assume Platinum and Gold members in the target Bilt demographic of "rich NYC millenial" would want to sign up. However, it is possible that this demographic already pays for classes so the Bilt benefit is worthless to them. Or many Platinum/Gold members made it through MS and aren't interested in fitness classes.