I actually agree with you. These exclusions simply mean Bilt isn't getting all the wallet share of my total spend that it could. My guess is that there could be an interchange fee angle here? Or an attempt to drive more spend to the loyalty partners Bilt has relationships with?

My rent payment at the end of June disappeared as pending in my points activity. I would have been OK with this if my large Bay Area rent transaction had also vanished, but unfortunately it was only the points that were missing.

I wrote in yesterday and they responded very quickly thanking me for raising the issue and noting they manually issued the points for the rent, yet to appear but they said it could be 24-48h.

Just posting so people are aware they seem to have some issues with the resilience of tracking points for spend so be vigilant in making sure you're given points for all your spend. Never seen anything like this at another bank. I wonder if they have bugs due to transactions not always mapping to points activity due to their 5 transactions requirement.

Few questions.
1. Can I refer myself?
2. Did anybody try to use Curve and redirect all charges from other cards to this on rent day?

You cant and we now have Curve transactions filtered. - Kerr

You won't allow Curve transactions?

The right thing to do would probably be to make an official announcement or statement message about Curve transactions not counting. If this is not explicitly stated in some way, you're inviting trouble from the litigation-happy segment...

I’m considering an application for Bilt Mastercard. Would be only to “pointsetize” or “milesetize” (get point or miles for) my monthly condominium common charge payments. Hesitant due to unknown application result and unknow if condo chares will be treated as rent and determining 5/24 effects and ramifications. Extensive history with Chase/AmEx/BOA credit card applications (and recon calls usually to reallocate credit limits), not so much for other issuers. I’ve reviewed this thread to garner as much information as I can

I can easily foresee application being denied for several reasons (too many open accounts ~16-18, to many recent inquires 0/5/9 for the 3 major agencies, too much existing credit). Unsure if my condo payments would be like rent, for my checking account from which the managing agent automatically processes an ACH transfer each month, the transactions appear as “Transaction Description: AbcdeStone Condo Rent, Original Description: AbcdeStone Condo Rent, Category: Mortgage & Rent, Transaction Type: EFT, Additional Details: ACH Withdrawal.” Every time I see “AbcdeStone Condo Rent” I think about applying for this card.

Would appreciate comments regarding (but not limited to ;)):
- Probability of application approval?
- Bilt recon procedures?
- Is it effectively a personal card for Chase 5/24 and credit reporting agency purposes?
- Probability of my condo payments being appropriately processed by Bilt … month after month?
- Probability of earning 1x OR 2x for aforementioned condo payments?
- Anything else I should be asking about.

Thank you.

Condo fee payments do count as a possible once per month ACH charge. I've used it the last 3 months and have had no issues.

The Bilt card isn't issued by Chase, so not sure why you're worried there. It's issued by Wells Fargo.

Thank you. My concern regarding Chase is that Bilt would be one of my 5/24 (thereby affecting all future possible Chase applications) and since I’m usually at 4/24 I should plan all applications very carefully.

Thus also my question “Is it effectively a personal card for Chase 5/24 and credit reporting agency purposes?” Thanks again.

Yes, it is a personal card issued by Wells Fargo.

Does this card require a credit pull when applying for it?

Yes, for sure.

-Probability? I'd say pretty high
-Recon? Not sure but here and Reddit have some data points
-Def personal and will affect 5/24
-Very, very likely. I do HOA. No problems.
-Def 1x. But note that you need 5 transactions per month to get points at all, so expect to charge other small things (restaurants?).
-The 2x on Rent Day is great (save insurance, tax bills, etc. - best way to build Hyatt points for me) and they also have some amazing promos on Rent Day.

Terrific reminder, I wasn't familiar with that, thank you. Probably be a few dollars of groceries or gasoline (x 4) for me.

or a few minimal Amazon credit balance reloads from the comfort of your couch? :)