Got the card from your last video about it. Got the 5X points offer for the first 5 days but couldn’t use it because of hurricane Beryl. Called this morning and they extended my offer an extra 5 days!
Last rent day I booked a rent day special - $75 per person Michelin tasting menu in the BILT app. x4 courses, x2 cocktails per person. There was a QR code on the table I opened up and after my wife and I left the restaurant the page refreshed and showed the total bill as $298. Basically BILT covered the second half of the meal/tax/tip. Needless to say my wife and I are still talking about that meal and the value we got (we are foodies)
I have used it for an auto car rental collision damage and I shall appreciate the claim process and payment process which was very easy and less paperwork overall. It saved a lot on taking insurance from rental companies every time I rent(I do not have my own car insurance)
Just recently received this card after seeing your recommendation for it on previous videos, loving it so far and thank for the additional tips John! :)
I would like you to walk through an actual full claim process. Where do you get a quote to repair and replace your phone? What if your phone is valued over $800?[Like the new iphones or virtually and larger flagship phone or foldable?] What do you do if you need to use the car insurance from your card benefit?[what are the limitations] Are these primary insurance?[not where you are required to claim AFTER a primary insurance]
Phone claim: you get a quote and whatever the repairs quote is, is what you submit. The benefit maxes at $800 so if it’s over then you’ll be out of pocket. Car: yes it’s primary.
Thanks John. I did want to ask for clarification. Where do you get a quote?[Directly from your phone provider? Or any phone repair shop? Is this a piece of paper with line itemization? Or will an email suffice?] Specifically how is it determined if you're going to get a repair or replacement? Can you just go to a retail store amd ask them to write you a note that the cost of a new phone is the full retail cost?[Or do you need a repair quote? Then you can pull the new retail phone price off a website?] Do you have the full choice of repair or replace?[Or does the insurance decide?(usually the lower cost option)]
@@makaeo8085u get a repair estimate from a repair shop or the manufacturer. if your phone can be repaired they’ll pay for the repair and if not then they’ll pay for replacement up to the max limit. they pay for the cheaper
@@makaeo8085you have to call Wells Fargo claims. The number will be in the terms and conditions. The repair quote will be done by a phone repair shop. Take the quote, call the number, and get your check. It is not “insurance”, it’s a perk.
Just to let you know, on Bilt Dining, you don't have to make a reservation to earn the extra points. You can just walk in and earn those extra points by paying with your Bilt card.
Hi John, I'm very disappointed at Bilt Rewards now. Starting on 10/1/24, the maximum double points you can earn is 1,000 on rent day. It used to be 10,000 points. I would have loved it if you made a video about it. I used to hold my purchases for the 1st of the month. That was my route to Platinum status. I was planning on paying property taxes with it too by the end of the year. Now, it feels like a big devaluation...
Bilt dining is a good news/bad news for me, since they expanded there are restaurants in my metro instead of the closest being 150 miles away, but the 10x have gotten a lot rarer, 3-5 seems standard now
John, please post a detailed video on any of the cards available in the market through which we can use to get the maximum benefit on Walmart other than the Walmart credit card.
The U.S. Bank Shopper Cash Rewards card gives 6% cash back up to $1500 spend per quarter on 2 retailers of choice (list includes Walmart and Target) $95 annual fee
@@joshuajennings9250 I tried getting that card but seems like the approval process is too stringent and didn’t get approved for it. Any other cards other than this?
Depending on your carrier and lifestyle, cell phone protection shouldn't automatically be used. If you get $10 auto-pay discounts, and say you have 4 lines, that's $480 a year you don't pay. If you use cell phone protection on a credit card, you're essentially paying that $480 a year for protection which may or may not be worth it if you don't damage or lose your phones often.
Great tip! It's not ideal but for some carriers you can add in a bank account and a few days before it's due call and switch payment to a credit card. Then switch back to bank account for the monthly discount. PIA but it's a work around for now.
@@johnsfinancetips Actually, I have Autopay set up with my bank account and then I just manually pay with my Bilt card on the 1st of every month. The manual payment goes through, I get 2x points and cellphone protection, the Autopay is never applied, and I retain my Autopay discount on all lines.
@@johnsfinancetips Ah yes true, you can time it right and still get it. But yeah most people probably aren't going to do this. I think on the other end, if I had only one line and a really expensive phone, losing the $10 auto-pay is probably worth it for the peace of mind protection. As everything with the credit card world, YMMV. heh
I personally have T-Mobile , have my Bank account linked, and it lets me pay a few days before with my CC and still have the auto discount for having Bank linked.
Worth it today? Yes. Worth it in 2029? I have no idea. But if it’s not then I’ll worry changing then. Same as the Sapphire Reserve. It was a no brainer card in 2016. By 2019 it was eh. And today it’s not a card I gravitate heavily toward
Awesome!! Will Wells Fargo who offers the BUILT Mastercard accept applicants with a Fair credit score? I called and asked them this very question, but they refused to give me a streight answer.
Hey I’m 19 right now. I’m at a 716 credit score and have a student card with no annual fee I believe. I only have 11 months of credit history. I am however an authorized user on my mother’s credit, although on credit karma it doesn’t show so I don’t have that extra credit age. Now besides fixing that and getting the authorized user card attached as one of my accounts to see if that raises my credit score, what should I do to push towards 800? I am starting to consider getting a new card with USAA or NavyFed since I’m in the army and know what cards I could push for as beginner, intermediate and mastery level cards I guess. Any suggestions?
Hey John is there a credit card just for your business using your EIN number I will go through your RU-vid video to see as well if you can put a video out on business credit cards
So could you use 10% of the money on the card or less for rent and pay the rest of rent from your bank and still earn points while keeping the utilization percentage down?
@@christopherjuntura4439 Don't have the card and you might've already found the answer if you really wanted to know by now but I heard you can either have the app send them a check and or setup a direct ACH deposit.
eh you lost me at the first point. even though the platinum is higher deductible, it specifically covers cracked screen. i wonder if bilt will do that. likely not.
@@Adiscretefirm Easy way around that, just link your bank account, but pay the bill with a cc a few days beforehand I hear you'll still get the autopay discount
Greetings everyone, I am in a financial wellness reboot ! So I am just now diving into credit cards and their benefits. I had a credit card yeaaaars ago coming out of college but had zero education on how to properly use it. I’m looking to establish personal credit then go from there. I’m wandering if anyone who has a bit more experience with credit cards thinks the BILT card is a good choice for a first card ?? Thanks in advance !
I don’t understand how you pay rent. You don’t use the credit card, but you use a Bilt account? That Bilt account pays my rent with autopay from my Discover savings account? And I get points for that? I din’t understand that direction or how that works.
@@stephaniesandoval9827 No. I don’t understand why a company would let you win/win scenario that. If it goes to the credit account and then directly out of your bank account then it’s like immediate auto pay, so why do they pay points. There’s no incentive for them, no risk for either party.
Bilt provides an account and routing number for people who pay rent in buildings that are not a part of their program. If you can't use the card, could you use that?
