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Approved - BILT

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AlanGJP
Established Contributor

Approved - BILT

Low $4K CL, added this card specifically for points on rent. Now if only I could find a card that earns points on car payments. Smiley Wink

 

Yes, I have a problem.

 

UPDATE: Metal card. (Arrived in 3 days via first class mail, white box from Omaha, NE)

 

UPDATE 2: Quick recon call and bumped SL to $7K. Not ideal, but good enough for my purpose.

Personal Cards:
Business Cards:
Closed Cards:
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Last Updated: 2023/11/09
Message 1 of 28
27 REPLIES 27
CYBERSAM
Senior Contributor

Re: Approved - BILT

Congrats on your WF BILT Approval. Very nice CC to have 🤑👍👍







                
Message 2 of 28
AlanGJP
Established Contributor

Re: Approved - BILT


@CYBERSAM wrote:

Congrats on your WF BILT Approval. Very nice CC to have 🤑👍👍


I mean... if they want to give me points to pay what I'm already paying... I'll take it. Smiley Wink

Personal Cards:
Business Cards:
Closed Cards:
Data Points:
Last Updated: 2023/11/09
Message 3 of 28
Jeffster1
Valued Contributor

Re: Approved - BILT

Congrats on your approval. Great card!

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 4 of 28
M_Smart007
Legendary Contributor

Re: Approved - BILT

Congrats on your BILT Approval!

Message 5 of 28
CreditAggie
Community Leader
Super Contributor

Re: Approved - BILT

Congratulations on your Bilt approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 6 of 28
12njoy
Super Contributor

Re: Approved - BILT


@AlanGJP wrote:

Low $4K CL, added this card specifically for points on rent. Now if only I could find a card that earns points on car payments. Smiley Wink

 

Yes, I have a problem.


Congrats.  Look up Plastiq.  It's a fee involved but can help with building larger credit lines through CLI's and earning points/cashback.  Points/Cashback depends on your current cards and how much they offset the Plastiq fee.  I used Plastiq to pay things for a while and recently starting using with my 2nd discover because I was tired of the $500 cli's.  Well used Plastiq for four months to pay auto loan which I had to pay anyway and bam a $2,500 Discover cli.  Now I realize that might not be much for some but for a 2nd Discover card it is for me.  My 1st Discover is at $47,500 so not much going on with that one.  

(Formerly known as: Credit is my hobby/TCL objective)
___________ 12Njoy
FICO - EX 810; EQ 797; TU 804 I'm climbing back to 800+
Message 7 of 28
KingRue8500
Senior Contributor

Re: Approved - BILT

Congrats on your Wells Fargo Bilt approval




Message 8 of 28
AlanGJP
Established Contributor

Re: Approved - BILT


@12njoy wrote:

@AlanGJP wrote:

Low $4K CL, added this card specifically for points on rent. Now if only I could find a card that earns points on car payments. Smiley Wink

 

Yes, I have a problem.


Congrats.  Look up Plastiq.  It's a fee involved but can help with building larger credit lines through CLI's and earning points/cashback.  Points/Cashback depends on your current cards and how much they offset the Plastiq fee.  I used Plastiq to pay things for a while and recently starting using with my 2nd discover because I was tired of the $500 cli's.  Well used Plastiq for four months to pay auto loan which I had to pay anyway and bam a $2,500 Discover cli.  Now I realize that might not be much for some but for a 2nd Discover card it is for me.  My 1st Discover is at $47,500 so not much going on with that one.  


Interesting, I need to look into this further... I might see how I can work this into my spend. Thanks

Personal Cards:
Business Cards:
Closed Cards:
Data Points:
Last Updated: 2023/11/09
Message 9 of 28
dcp0524
Regular Contributor

Re: Approved - BILT


@AlanGJP wrote:

Low $4K CL, added this card specifically for points on rent. Now if only I could find a card that earns points on car payments. Smiley Wink

 

Yes, I have a problem.


Congrats on the approval!! 🎉🎉🎉

 

I'm lucky and get 1.5% cb on my car payment. My CU allows debit card payments on their loans and credit cards, but only my Cap One credit cards work. Any other credit card I've used it recognizes as a credit card, but not Cap One. I'd assume it's the way it codes the transaction? Idk. I don't complain. 

Total Revolving: $159,800 - Utilization: less than 1%

Bank/Loans:

Future Apps:

04/27/2023
FICO 8 - EX: 744 | TU: 772 | EQ: 763
VS 3.0 - EX: 759 | TU: 792 | EQ: 811
Message 10 of 28
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