DP: Bilt Blue Denial

BankDealer · ‎03-04-2026

I tried to pre-approve for the Bilt Blue No AF card. I was denied with the following message:

"Thank you for applying for the Bilt Blue Card. Your application has been reviewed by our partner bank, Column N.A., 1717 Mangrove Ave Ste 100, Chico, CA 95926. Your application can't be approved at this time because:

- Number of debt counseling trades

If your financial situation changes, you’re welcome to reapply in the future."

For context, I completed my DMP of April 2024. Credit Score quoted on the application was EX 782

Personal

Robinhood Gold Card | 3% Cashback | $10K | March 2026

BofA Atmos Summit Visa Infinite | $395 AF | $22.4K | Feb 2026

Citi/AAdvantage Platinum Select Mastercard | $99 AF | $20.5K | Feb 2026

NFCU Flagship Visa Signature | $36K | Feb 2025

SoFi World Elite Mastercard | $2K | Jan 2025

U.S. Bank Altitude Connect Visa Signature | $1K | Oct 2024

AmEx Hilton Honors Aspire | $12.9K | Jun 2024

NFCU cashRewards Plus Visa Signature | $23K | Jun 2024

Synchrony Amazon Prime Store Card | 5%/6% Amazon Purchases | $10K | November 2023

Synchrony Paypal Credit Card | No Interest for 6 months | $2.8K | Sept 2023

Synchrony Google Store Card | $4.5K | April 2020

AmEx Blue Cash Preferred | $95 AF | $3.3K | Mar 2018

Business

Citi® / AAdvantage Business™ Mastercard | 75K SUB | $16K | Mar 2026

AmEx Blue Business Plus | 2X MR | $14.9K | Feb 2026

Cotsco Anywhere Visa Signature Business | $4K | Dec 2025

AmEx Business Green Rewards Card | $95AF -- 1X MR | NSPL | Aug 2025

Sam's Club Plus Business Mastercard | 5% Gas Everywhere | $5K | Jul 2025

Chase Business Ink Unlimited Visa Signature | 1.5% Cashback | $3K | Jun 2024

In Memoriam (closed cards)

Desired Cards (in order)

AmEx Hilton Business Card | $195 AF | 175K HH SUB

Chase Sapphire Preferred | $95 AF | 75K UR SUB

Inquiries
TU: 0/3 · 0/6 · 4/12 · 16/24
EQ: 2/3 · 4/6 · 7/12 · 18/24
EX: 3/3 · 4/6 · 6/12 · 13/24
Chase 5/24: 10/24 (under 5/24 on 05/2027)

zerofire · ‎03-08-2026

Are you a new cardholder or are you transferring from Bilt 1.0? If your transferring there is a transfer process that will start soon to review if the decision was proper so just wait 30-45 days. If your new then you will need to qualify based on the current strict criteria and they are looking for top quality people right now. A small blemish will cause denials.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

BankDealer · ‎03-08-2026

Not a Bilt 1.0 cardholder, P2 (who was a Bilt 1.0 cardholder) was denied because "Unable to verify identity"

Personal

Business

In Memoriam (closed cards)

Desired Cards (in order)

Inquiries
TU: 0/3 · 0/6 · 4/12 · 16/24
EQ: 2/3 · 4/6 · 7/12 · 18/24
EX: 3/3 · 4/6 · 6/12 · 13/24
Chase 5/24: 10/24 (under 5/24 on 05/2027)

SusanJA · ‎03-11-2026

Sorry to hear - don’t worry about it though. You can do better!