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MY MORTGAGE IS OVER $1 MILLION DOLLARS AND EVERY MONTH I USE THE BILT CREDIT CARD TO MAKE MY MORTGAGE PAYMENT. THE BILT 2.0 CARD IS THE FIRST CARD WHERE YOU CAN MAKE MORTGAGE PAYMENTS AND EARN CREDIT CARD POINTS. AND WITH THOSE CREDIT CARD POINTS, YOU CAN USE THEM FOR ANYTHING YOU TYPICALLY USE FOR FLIGHTS, HOTELS, TRAVEL, THE WHOLE NINE. BECAUSE MY MORTGAGE IS MY BIGGEST EXPENSE, I SAW IT AS A HUGE AD THAT I CAN NOW GET CREDIT CARD POINTS TO TRAVEL FOR FREE ON SOMETHING THAT I WAS ALREADY SPENDING MY MONEY ON. IF YOU'VE BEEN KEEPING UP, I'M ACTUALLY PAYING OFF MY MORTGAGE IN SIX YEARS INSTEAD OF 30, WHICH LEADS TO A LOT OF EXTRA PRINCIPAL PAYMENTS. AND SO I'M ALSO USING THE BILT CREDIT CARD AS WELL. BUT LET'S BE CLEAR, THE BILT 2.0 CARD, WHERE YOU CAN PAY YOUR MORTGAGE PAYMENTS IS DIFFERENT THAN THE ORIGINAL BILT 1.0 CARD. THAT WAS THE FIRST RENT CARD WHERE YOU COULD ON THE FIRST, AND YOUR RENT PAYMENT WOULDN'T BE DUE TO THE CREDIT CARD COMPANY UNTIL THE 30TH. BILT 2.0 IS NOT LIKE THAT. AS SOON AS I PAY MY MORTGAGE PAYMENT, IT SHOWS UP AS A CHARGE ON MY CARD STATEMENT, AND THEN THE NEXT DAY, BILT PULLS THE FUNDS FOR MY MORTGAGE PAYMENT OUT OF MY BANK ACCOUNT. CLEAR, THERE'S NO FLOATING OF MORTGAGE PAYMENTS HERE. YOU HAVE TO MAKE SURE THAT PAYMENT FROM BILT, THOSE FUNDS FOR YOUR MORTGAGE ARE SITTING IN YOUR BANK ACCOUNT ALREADY. NOW, WITH THE BILT 2.0 ROLL OUT, THERE'S BEEN A LOT OF CONTROVERSY AROUND IT AND THERE IS A LOT OF CONFUSION AROUND THE RULES AND ALL OF THE THINGS. AND SO I'M NOT GONNA GO INTO THAT. I'M JUST GOING TO TELL YOU EXACTLY HOW I USE THE CARD. SO FIRST, THERE ARE TWO DIFFERENT OPTIONS WITH THE CARD TO UNLOCK YOUR MORTGAGE POINTS. I USE THE BILT CASH OPTION. AND THE WAY THAT I ACTUALLY INITIATE THAT MORTGAGE PAYMENT IS YOUR BILT CREDIT CARD. THEY GIVE YOU AN ACCOUNT AND ROUTING NUMBER LIKE A REGULAR BANK ACCOUNT. AND I ADDED THAT ACCOUNT AND ROUTING NUMBER TO MY MORTGAGE PORTAL'S PAYMENT CENTRE. WHEN I'M MAKING MY MORTGAGE PAYMENT, I SELECT BILT'S BANK ACCOUNT INSTEAD OF MY BANK ACCOUNT. AND THEN AGAIN, LIKE I SAID, IT AUTOMATICALLY SHOWS UP AS A CHARGE ON MY CARD. NEXT DAY IT PULLS THE FUNDS FROM MY BANK. SO THE PIECE THAT PEOPLE WERE REALLY CONFUSED ABOUT WITH THE ROLLOUT WITH THE BILT CASH OPTION CALLED ON THEIR SITE, IS YOU HAVE TO SPEND AT LEAST 75% OF YOUR MORTGAGE PAYMENT IN REGULAR EVERYDAY SPENDING IN ORDER TO UNLOCK THE POINTS, THE CREDIT CARD POINTS FOR YOUR MORTGAGE PAYMENT. SO LET'S SAY YOUR MORTGAGE IS $1,000. YOU HAVE TO SPEND $750 IN REGULAR SPENDING. IT COULD BE FOR WHATEVER YOU WANT, FOOD, BILLS, GAS, WHATEVER. IN ORDER TO ALSO GET THE 1,000 POINTS THAT ARE FOR YOUR MORTGAGE. SO YOU GET $750 AND YOU GET POINTS ON THE MORTGAGE. THAT'S A VERY OVERSIMPLIFIED WAY OF SAYING IT. AND IF YOU'RE INTERESTED, WE CAN GO INTO A LITTLE BIT MORE. THAT'S THE OVERSIMPLIFIED VERSION. THERE IS ANOTHER VERSION WHERE YOU DON'T HAVE TO SPEND $750, BUT IT ATTACHES A FEE TO YOU MAKING YOUR MORTGAGE PAYMENT, LIKE 3%. AND YOU STILL GET POINTS, NOT ALL THE POINTS. I DON'T WANNA GET INTO THAT. I'M GONNA TALK ABOUT THE ONE THAT I USE. AND LET'S ADDRESS THE ELEPHANT WHEN IT COMES TO THE BILT 2.0 CARD. A LOT OF PEOPLE ARE MAD AND A LOT OF PEOPLE HAD BAD EXPERIENCES AND AS WITH EVERYTHING, WHEN PEOPLE HAVE A BAD EXPERIENCE, THEY'LL BE LOUD ABOUT IT. SO THERE IS A LOT OF CHATTER ON THE INTERNET OF HOW THIS CARD IS TERRIBLE, BUT THE PEOPLE WHO HAVE GOOD EXPERIENCES DON'T REALLY SAY MUCH OF THOSE PEOPLE. I HAVE NOT HAD ANY ISSUES. I'VE NEVER HAD MY PAYMENTS LATE, I'VE NEVER HAD MY PAYMENTS STOLEN. MY CARDS NEVER NOT WORKED. I'VE HAD NOTHING BUT GOOD THINGS TO SAY ABOUT THIS CARD. AND I'VE ALREADY USED THAT I'VE EARNED TO BOOK A VACATION. AND THAT VACATION WAS FREE, AS I NOW EARN POINTS ON MY BIGGEST EXPENSE, MORTGAGE. SO I HAVEN'T BEEN ON THAT TRIP YET. I WANNA MAKE SURE IT GOES OKAY BEFORE WE TALK ABOUT IT A LITTLE BIT MORE. BUT I'VE HAD GOOD EXPERIENCE WITH BILT. AS LONG AS YOU SORT OF TAKE THE TIME TO LEARN THE RULES THAT THEY'VE SAID, ESPECIALLY WITH LIKE, SPENDING THE 75% EVERY MONTH. AND THE WAY THAT I GOT AROUND THAT, I HAD A COUPLE OF LARGE EXPENSES PLANNING ON PUTTING ON CREDIT CARD ANYWAY. SO I JUST PUT THEM ON IN ORDER TO EARN UP ENOUGH SPEND THAT I'VE UNLOCKED MY MORTGAGE POINTS FOR THE WHOLE YEAR. AND THEN ANY EXTRA SPEND THAT CARD, UM, IT'S NOT MY DAILY CARD, IT'S NOT MY DAILY DRIVER, BUT I DO PICK UP THAT CARD SOMETIMES. UM, THAT'S JUST GOING TO BE ANY EXTRA PRINCIPAL PAYMENTS WANNA MAKE GET POINTS FOR. SO THAT'S A LOT OF RAMBLING. WANNA KNOW MORE ABOUT THE CARD OR HAVE SPECIFIC QUESTIONS, LET'S TALK ABOUT IT, BUT I WOULD SAY THAT'S KIND OF LIKE THE OVERVIEW OF HOW THE CARD WORKS.