Is anyone else confused by Bilt 2.0 billing?

I’m trying to figure out if my experience with Bilt 2.0 is normal or if something is off with my account.

Here are the things that stood out to me:

1. No statement notifications at all. I never get notified when my billing statement closes or when a payment is due. No email, no push notification, nothing. The only way I’ve been able to find the statement is by digging around for it on the app.

What’s weird is I get notifications instantly for other things like:

- redeeming points

- promotions

- activity on the account

So the notification system clearly works — just not for billing statements.

2. When I finally located the statement, it includes this line: “This statement is being sent for informational purposes only and is not an attempt to collect a debt.”

That seems like strange wording for a normal credit card statement.

3. Confusing messaging about payment methods. I’ve received multiple emails telling me to link a bank account for housing payments. But none of those emails stated a linked bank account is required to pay for regular credit card purchases.

The agreement language references checks and electronic transfers, but the statement instructions say payments should be made electronically through the app. So I honestly can’t tell what payment methods are actually supported.

4. Customer service was rough. I called the customer support line (888-533-5576) tonight to ask about this and had a pretty bad experience.

- was placed on mute for long stretches

- was given conflicting information

- and when I asked for clarification, was told “it is what it is.”

Then they told me to call back during “business hours” but did not seem certain about what those hours are… even though I reached someone at 11 PM PST.

5. Trouble closing the account. I tried to close my Bilt Rewards account through the app and the site but kept getting an error message. When I tried to use the chat assistance, it was only an AI chatbot and apparently wandered into an area that they could not assist or generate a response for.

At this point I’m mostly just trying to figure out if other Bilt users are seeing the same things and how to go about canceling both card and rewards account.