Bilt Obsidian Approval

USMCOne — Mon, 26 Jan 2026 01:44:33 GMT

Long time BILT card holder high credit score, virtually no balances. Went to apply for the upper BILT one about 2 weeks ago and was denied. Shortly after recieved a email stating they were aware that excellent scores, customers etc being deined in the transition. Also said it all was in the works basically.

Got a invite today to BILT with only the first two tiers available. Hit the one for the Bilt Obsidian and approved for what I had on my original BILT. Interestingly it opted that I could keep the other account and it transition for a equal line of credit for a Well's Fargo Autograph card which I opted to do. I was under the impression that retaining BILT automatically closed your Wells Fargo.

Hard credit check was required to absolve this.

To be honest BILT with the changes seem to be only a great deal if you find their rewards system to your liking. Unlocking the full potentional of BILT now requires focused spending with BILT at the cost other rewards programs.

I am impressed they revisited my case though. No reason not to my credit situtation is ideal. Same time insulted I couldnt get their higher end card for whatever reason.

Re: Bilt Obsidian Approval

Copenix — Mon, 26 Jan 2026 09:37:35 GMT

Good for you. Congrats on your Obsidian approval.

Re: Bilt Obsidian Approval

FIRECOURAGE — Mon, 26 Jan 2026 14:29:13 GMT

Awesome! Congratulations! What is your credit score?

Re: Bilt Obsidian Approval

SusanJA — Mon, 26 Jan 2026 22:54:56 GMT

So you had two inquiries and now have Autograph + Bilt?

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