<p>作者：Genna Contino</p>
<p>如何判斷 Bilt Card 2.0 是否適合你</p>
<p>Bilt Card 2.0 採用分級獎勵結構，要求持卡人花費更多資金才能在住房支付上解鎖積分。</p>
<p>一款針對租户的信用卡正在重新設計其獎勵計劃，這讓一些用户開始懷疑新版本的卡是否仍然值得使用，或者他們是否應該取消賬户。</p>
<p>Bilt 是一個忠誠度計劃，配有一張信用卡，允許用户在支付租金時積累獎勵積分，現正過渡到 Bilt Card 2.0，該卡將採用分級獎勵結構，並要求持卡人花費更多資金才能在住房支付上解鎖積分。新卡的年費從 $0 到 $495 不等，提供三種不同版本。</p>
<p>新 Bilt 卡將於 2 月 7 日上線。原定於 1 月 30 日的現有持卡人預訂新卡並保持當前信用卡號碼的截止日期已延長至 2 月 1 日。Bilt 正在將其合作伙伴從富國銀行（WFC）轉移到金融科技公司 Cardless。選擇不轉移現有賬户的客户將被轉換為富國銀行的 Autograph 卡。</p>
<p>Bilt 與數千名物業管理者合作，提供一個系統，讓租户在不支付交易費用的情況下支付租金，並在此過程中賺取積分，這幫助 Bilt 在富裕的城市居民中找到了追隨者。隨着房價和抵押貸款利率的上升，許多美國人無法購買房屋，富裕租户的數量近年來有所增加。</p>
<p>雖然超過 500 萬人通過 Bilt 通過其系統支付租金來賺取獎勵，但只有約 80 萬名會員是 Bilt 持卡人，能夠在租金和日常消費中賺取積分。儘管與擁有數百萬持卡人的信用卡巨頭如美國運通（AXP）和摩根大通（JPM）相比，Bilt 的客户基礎相對較小，但該公司已經建立了一個充滿熱情的追隨者。</p>
<p>對於積分愛好者來説，Bilt 2.0 提供了更多賺取積分的機會，這些積分可以用於數百美元的新賬單抵免。對於那些主要是為了在最大月賬單上賺取積分而註冊 Bilt 的 “設定後忘記” 的租户來説，新版本可能是一個不再划算的數學問題。新的獎勵系統要求用户在日常消費上花費高達租金金額的 75%，才能獲得之前只需五筆小額交易就能獲得的相同獎勵。</p>
<p>在預訂新卡的截止日期臨近之際，當前用户面臨選擇：選擇新的銀行合作伙伴和較少的租金獎勵，還是將賬户轉換為沒有住房獎勵的標準富國銀行卡。</p>
<p>申請貸款前？首先做這 5 個聰明的舉動來提高你的信用評分 - 無論你有幾周或幾個月的時間</p>
<p>Bilt 2.0 在新購買上提供 10% 的首年優惠 APR，並首次允許用户在抵押貸款支付上賺取積分，除了租金支付。根據旅行和信用卡比較網站 The Points Guy 的數據，Bilt 積分的價值為每積分 2.2 美分，可以用於多種類型的購買，包括航班和酒店、在亞馬遜（AMZN）購物和健身課程，甚至可以用於房屋的首付款。</p>
<p>總體而言，如果你的租金很高，但每月僅在信用卡上消費約 $500，那麼新 Bilt 卡可能對你來説並不划算。如果你傾向於避免複雜的信用卡積分系統，Bilt 2.0 將不會提供原卡的簡單性。</p>
<p>然而，如果你擁有自己的房屋，新卡提供了在抵押貸款支付上賺取積分的機會。對於大額消費的人來説也很不錯：那些每月在食品和旅行上花費至少 $2,000 的人，可以輕鬆在租金或抵押貸款支付上積累積分，並在兩個高級卡上獲得日常消費的顯著積分倍增。</p>
<p>“我知道一些參數已經改變，變得更加複雜，可能對某些人來説不那麼有利，” Bankrate 高級行業分析師 Ted Rossman 説。“但我仍然認為這張卡對向上流動的年輕專業租户來説是值得的。它實際上是市場上最有利可圖的可轉讓積分卡之一。”</p>
<p>我怎麼知道新 Bilt 卡是否值得我擁有？</p>
<p>Bilt 2.0 的推出並不順利。在本月初的首次公告後，Bilt 創始人兼首席執行官 Ankur Jain 發佈了一份説明，回應會員對租金賺取積分的擔憂，而公司的旅行總經理 Richard Kerr 在 Reddit（RDDT）上主持了一場 “問我任何事情” 的論壇。最後，Kerr 在 Instagram（META）上發佈了一張關於 “地下室居住的 Reddit 用户” 的表情包，並對此公開道歉。</p>
<p>來自檔案（2025 年 6 月）：如何通過支付賬單（甚至是抵押貸款和汽車付款）來賺取額外收入</p>
<p>對於那些仍然感到困惑的人，最大的變化在於租金獎勵的生成方式。持卡人現在將選擇兩種選項：</p>
<p>-- 選項 1：租金獎勵由你的日常消費比例決定。要獲得之前自動獲得的 1x 積分，你現在必須每月在非住房消費（如雜貨和餐飲）上花費租金金額的 75%。如果你花費較少，獎勵將減少。例如，$2,000 的租金支付需要在其他卡消費中達到 $1,500 才能達到 1x 級別。否則，你可能只能獲得每美元半分或固定的 250 積分最低。</p>
<p>-- 選項 2：此路徑在你的日常消費中提供 4% 的 “Bilt Cash” 返還。Bilt Cash 是一種單獨的貨幣，用於 “購買” 在住房上賺取積分的權利。要在 $2,000 的租金支付上獲得完整的 1x 積分，你需要兑換 $60 的 Bilt Cash（每 1,000 積分 $30 的兑換率）。或者，你可以跳過租金積分，將這筆現金用於與 Bilt 合作伙伴的 Lyft、酒店或健身課程的逐美元抵免。</p>
<p>申請時需要知道的事項</p>
<p>Bilt 2.0 卡不允許您使用信用額度支付租金或抵押貸款。相反，它將從您關聯的銀行賬户中提取租金和抵押貸款付款。這意味着那些使用 Bilt 1.0 信用額度來支付租金並在一個月內償還餘額的人，現在必須在月初提前支付這些費用。</p>
<p>我不想要 Bilt 2.0 卡。我只需取消富國銀行賬户嗎？</p>
<p>一般來説，除非信用卡有年費，否則保留信用卡比取消它更好，LendingTree（TREE）的首席消費者金融分析師 Matt Schulz 表示。保持賬户開放有助於維護您的信用評分，因為它保留了您賬户的平均年齡，並將您的信用利用率——您所欠債務與總信用額度的比例——保持在儘可能低的水平。</p>
<p>富國銀行 Autograph 卡，如果 Bilt 1.0 用户不轉到新卡，將自動收到該卡，沒有年費。</p>
<p>美元符號：我不想支付新的 895 美元美國運通白金卡年費——但取消卡會影響我的信用評分嗎？</p>
<p>如果您仍然選擇取消 Autograph 卡，您可以通過要求提高其他卡的信用額度來避免信用評分受損，Schulz 説。通過提高剩餘卡的額度，您可以替代被取消賬户的 “缺失” 信用，防止整體使用比例激增。</p>
<p>“取消信用卡可能會損害您的信用評分，但您可以採取具體步驟來最小化損害，” Schulz 説。</p>
<p>您是否對信用卡有問題希望在 MarketWatch 中看到？我們希望聽到讀者的聲音。您可以通過 readerstories@marketwatch.com 寫信給我們。記者可能會聯繫您以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的答案以姓名歸屬給您。</p>
<p>-Genna Contino</p>
<p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞通訊和華爾街日報發佈。</p>
<p>（結束）道瓊斯新聞通訊</p>
<p>01-31-26 1142ET</p>

房地產投資信託股 ETF - iShares

BILT

抵押貸款支持證券 ETF - iShares

JHMB

按揭地產信託收入 ETF - VanEck Vectors

美國按揭抵押債 ETF - Vanguard

抵押貸款證券 ETF - Janus Henderson

<p>Bilt 正在推出其 Bilt Card 2.0，該卡具有分級獎勵結構，需要更高的消費才能在住房支付中賺取積分。新卡將於 2 月 7 日上市，年費範圍從 $0 到 $495，並將合作伙伴關係從富國銀行轉移到金融科技公司 Cardless。雖然它允許在抵押貸款支付中賺取積分，但對普通用户來説，獎勵系統變得更加複雜。當前持卡人必須決定是過渡到新卡，還是切換到沒有住房獎勵的標準富國銀行卡。這張卡被視為對高消費用户和向上流動的租户有利</p>

<p>By Genna Contino</p>
<div class="lb-trans"><p>作者：Genna Contino</p>
</div><p>How to tell if the Bilt Card 2.0 is right for you</p>
<div class="lb-trans"><p>如何判斷 Bilt Card 2.0 是否適合你</p>
</div><p>The Bilt Card 2.0 has a tiered rewards structure that will require cardholders to spend more money to unlock points on housing payments.</p>
<div class="lb-trans"><p>Bilt Card 2.0 採用分級獎勵結構，要求持卡人花費更多資金才能在住房支付上解鎖積分。</p>
</div><p>A credit card aimed at renters is revamping its rewards program, leaving some users to wonder if the new version of the card is still worth it - or if they should cancel their accounts.</p>
<div class="lb-trans"><p>一款針對租户的信用卡正在重新設計其獎勵計劃，這讓一些用户開始懷疑新版本的卡是否仍然值得使用，或者他們是否應該取消賬户。</p>
</div><p>Bilt, a loyalty program with a credit card known for letting users accumulate rewards points when they pay their rent, is transitioning to its Bilt Card 2.0, which will have a tiered rewards structure and require cardholders to spend more money to unlock points on housing payments. Annual fees on the new card, which comes in three different versions, range from $0 to $495.</p>
<div class="lb-trans"><p>Bilt 是一個忠誠度計劃，配有一張信用卡，允許用户在支付租金時積累獎勵積分，現正過渡到 Bilt Card 2.0，該卡將採用分級獎勵結構，並要求持卡人花費更多資金才能在住房支付上解鎖積分。新卡的年費從 $0 到 $495 不等，提供三種不同版本。</p>
</div><p>The new Bilt cards go live Feb. 7. The original deadline for existing cardholders to preorder a new card and maintain their current credit-card number was Jan. 30; Bilt later extended it to Feb. 1. Bilt is transferring its partnership from Wells Fargo (WFC) to fintech company Cardless. Customers who choose not to transition their existing account will be converted to a Wells Fargo Autograph card.</p>
<div class="lb-trans"><p>新 Bilt 卡將於 2 月 7 日上線。原定於 1 月 30 日的現有持卡人預訂新卡並保持當前信用卡號碼的截止日期已延長至 2 月 1 日。Bilt 正在將其合作伙伴從富國銀行（WFC）轉移到金融科技公司 Cardless。選擇不轉移現有賬户的客户將被轉換為富國銀行的 Autograph 卡。</p>
</div><p>Bilt partnered with thousands of property managers to provide a system for renters to pay rent without transaction fees and to earn points along the way, helping Bilt find a following among well-heeled city dwellers. The ranks of upper-income renters have grown in recent years as elevated home prices and mortgage rates keep many Americans from buying a house.</p>
<div class="lb-trans"><p>Bilt 與數千名物業管理者合作，提供一個系統，讓租户在不支付交易費用的情況下支付租金，並在此過程中賺取積分，這幫助 Bilt 在富裕的城市居民中找到了追隨者。隨着房價和抵押貸款利率的上升，許多美國人無法購買房屋，富裕租户的數量近年來有所增加。</p>
</div><p>While more than 5 million people earn rewards through Bilt by paying rent through its system, only about 800,000 members are Bilt cardholders, earning points on both rent and everyday spending. Though Bilt's customer base is modest compared with credit-card giants such as American Express (AXP) and Chase (JPM), which have millions of cardholders, the company has built a passionate following.</p>
<div class="lb-trans"><p>雖然超過 500 萬人通過 Bilt 通過其系統支付租金來賺取獎勵，但只有約 80 萬名會員是 Bilt 持卡人，能夠在租金和日常消費中賺取積分。儘管與擁有數百萬持卡人的信用卡巨頭如美國運通（AXP）和摩根大通（JPM）相比，Bilt 的客户基礎相對較小，但該公司已經建立了一個充滿熱情的追隨者。</p>
</div><p>For points enthusiasts, Bilt 2.0 offers more opportunities to earn points that can be spent on hundreds of dollars' worth of new statement credits. For the set-it-and-forget-it renter - someone who signed up with Bilt primarily to earn points on their largest monthly bill without making any extra effort - the new version may be a math problem that no longer adds up. The new rewards system requires users to spend as much as 75% of their rent amount on everyday purchases to earn the same rewards that previously required only five small transactions.</p>
<div class="lb-trans"><p>對於積分愛好者來説，Bilt 2.0 提供了更多賺取積分的機會，這些積分可以用於數百美元的新賬單抵免。對於那些主要是為了在最大月賬單上賺取積分而註冊 Bilt 的 “設定後忘記” 的租户來説，新版本可能是一個不再划算的數學問題。新的獎勵系統要求用户在日常消費上花費高達租金金額的 75%，才能獲得之前只需五筆小額交易就能獲得的相同獎勵。</p>
</div><p>With a looming deadline to preorder the new card, current users face a choice: opt in for a new bank partner and skimpier rent rewards, or see their account converted to a standard Wells Fargo card that offers no housing rewards at all.</p>
<div class="lb-trans"><p>在預訂新卡的截止日期臨近之際，當前用户面臨選擇：選擇新的銀行合作伙伴和較少的租金獎勵，還是將賬户轉換為沒有住房獎勵的標準富國銀行卡。</p>
</div><p>Taking out a loan? First make these 5 smart moves to raise your credit score - whether you have weeks or months</p>
<div class="lb-trans"><p>申請貸款前？首先做這 5 個聰明的舉動來提高你的信用評分 - 無論你有幾周或幾個月的時間</p>
</div><p>Bilt 2.0 comes with a 10% introductory APR on new purchases for a year and allows users, for the first time, to earn points on mortgage payments, in addition to rent payments. Bilt points, which are worth 2.2 cents per point, according to travel and credit-card comparison site the Points Guy, can be redeemed for multiple types of purchases, including flights and hotels, shopping on Amazon (AMZN) and fitness classes, and can even be put toward a down payment on a home.</p>
<div class="lb-trans"><p>Bilt 2.0 在新購買上提供 10% 的首年優惠 APR，並首次允許用户在抵押貸款支付上賺取積分，除了租金支付。根據旅行和信用卡比較網站 The Points Guy 的數據，Bilt 積分的價值為每積分 2.2 美分，可以用於多種類型的購買，包括航班和酒店、在亞馬遜（AMZN）購物和健身課程，甚至可以用於房屋的首付款。</p>
</div><p>Overall, if your rent is expensive but you only put, say, $500 a month on credit cards, the new Bilt card likely isn't a good deal for you. And if you tend to shy away from complicated credit-card points systems, Bilt 2.0 will not offer the simplicity that came with the original card.</p>
<div class="lb-trans"><p>總體而言，如果你的租金很高，但每月僅在信用卡上消費約 $500，那麼新 Bilt 卡可能對你來説並不划算。如果你傾向於避免複雜的信用卡積分系統，Bilt 2.0 將不會提供原卡的簡單性。</p>
</div><p>However, if you own your home, the new card offers the opportunity to earn points on your mortgage payments. It is also good for big spenders: Those who already spend at least $2,000 per month on food and travel can easily rack up points on rent or mortgage payments, plus significant points multipliers for everyday spending on the two premium-tier cards.</p>
<div class="lb-trans"><p>然而，如果你擁有自己的房屋，新卡提供了在抵押貸款支付上賺取積分的機會。對於大額消費的人來説也很不錯：那些每月在食品和旅行上花費至少 $2,000 的人，可以輕鬆在租金或抵押貸款支付上積累積分，並在兩個高級卡上獲得日常消費的顯著積分倍增。</p>
</div><p>&#34;I know some of the parameters have changed and it's gotten more confusing and perhaps less lucrative for some,&#34; said Ted Rossman, a Bankrate senior industry analyst. &#34;But I still do think of this card as being worthwhile for the upwardly mobile, young professional renter. It actually is one of the most lucrative transferable-points cards on the market.&#34;</p>
<div class="lb-trans"><p>“我知道一些參數已經改變，變得更加複雜，可能對某些人來説不那麼有利，” Bankrate 高級行業分析師 Ted Rossman 説。“但我仍然認為這張卡對向上流動的年輕專業租户來説是值得的。它實際上是市場上最有利可圖的可轉讓積分卡之一。”</p>
</div><p>How do I know if the new Bilt card is worth it for me?</p>
<div class="lb-trans"><p>我怎麼知道新 Bilt 卡是否值得我擁有？</p>
</div><p>The rollout of Bilt 2.0 has been far from smooth. After the initial announcement earlier this month, Bilt founder and Chief Executive Ankur Jain published a note addressing member concerns about earning points on rent, and Richard Kerr, the company's general manager for travel, hosted an &#34;ask me anything&#34; forum on Reddit (RDDT). That ended with Kerr posting a meme about &#34;basement dwelling Redditors&#34; on Instagram (META), which he publicly apologized for soon after.</p>
<div class="lb-trans"><p>Bilt 2.0 的推出並不順利。在本月初的首次公告後，Bilt 創始人兼首席執行官 Ankur Jain 發佈了一份説明，回應會員對租金賺取積分的擔憂，而公司的旅行總經理 Richard Kerr 在 Reddit（RDDT）上主持了一場 “問我任何事情” 的論壇。最後，Kerr 在 Instagram（META）上發佈了一張關於 “地下室居住的 Reddit 用户” 的表情包，並對此公開道歉。</p>
</div><p>From the archives (June 2025): How to make extra money just by paying bills - even your mortgage and car payment</p>
<div class="lb-trans"><p>來自檔案（2025 年 6 月）：如何通過支付賬單（甚至是抵押貸款和汽車付款）來賺取額外收入</p>
</div><p>For those who are still confused, the biggest change is in how rent rewards are generated. Cardholders will now choose between two options:</p>
<div class="lb-trans"><p>對於那些仍然感到困惑的人，最大的變化在於租金獎勵的生成方式。持卡人現在將選擇兩種選項：</p>
</div><p>-- Option 1: Rent rewards are determined by your everyday spending ratio. To earn the 1x points that were previously automatic, you now have to spend 75% of your rent amount on nonhousing purchases (like groceries and dining) each month. If you spend less, your rewards drop. For example, a $2,000 rent payment requires $1,500 in other card spending to hit that 1x tier. Otherwise, you may only earn half a point per dollar or a flat 250-point minimum.</p>
<div class="lb-trans"><p>-- 選項 1：租金獎勵由你的日常消費比例決定。要獲得之前自動獲得的 1x 積分，你現在必須每月在非住房消費（如雜貨和餐飲）上花費租金金額的 75%。如果你花費較少，獎勵將減少。例如，$2,000 的租金支付需要在其他卡消費中達到 $1,500 才能達到 1x 級別。否則，你可能只能獲得每美元半分或固定的 250 積分最低。</p>
</div><p>-- Option 2: This path offers 4% back in &#34;Bilt Cash&#34; on your daily spending. Bilt Cash is a separate currency used to &#34;buy&#34; the right to earn points on housing. To get the full 1x points on a $2,000 rent payment, you would need to redeem $60 of Bilt Cash (a rate of $30 per 1,000 points). Alternatively, you can skip the rent points and use that cash for dollar-for-dollar credits on Lyft, hotels or fitness classes with Bilt partners.</p>
<div class="lb-trans"><p>-- 選項 2：此路徑在你的日常消費中提供 4% 的 “Bilt Cash” 返還。Bilt Cash 是一種單獨的貨幣，用於 “購買” 在住房上賺取積分的權利。要在 $2,000 的租金支付上獲得完整的 1x 積分，你需要兑換 $60 的 Bilt Cash（每 1,000 積分 $30 的兑換率）。或者，你可以跳過租金積分，將這筆現金用於與 Bilt 合作伙伴的 Lyft、酒店或健身課程的逐美元抵免。</p>
</div><p>What to know if you apply</p>
<div class="lb-trans"><p>申請時需要知道的事項</p>
</div><p>The Bilt 2.0 card will not allow you to use your credit line to pay your rent or mortgage. Instead, it will pull rent and mortgage payments from your linked bank account. That means those who used their Bilt 1.0 credit line to cover rent and then paid off the balance over the course of the month will now have to cover those costs up front at the beginning of the month.</p>
<div class="lb-trans"><p>Bilt 2.0 卡不允許您使用信用額度支付租金或抵押貸款。相反，它將從您關聯的銀行賬户中提取租金和抵押貸款付款。這意味着那些使用 Bilt 1.0 信用額度來支付租金並在一個月內償還餘額的人，現在必須在月初提前支付這些費用。</p>
</div><p>I don't want the Bilt 2.0 card. Do I just cancel the Wells Fargo account?</p>
<div class="lb-trans"><p>我不想要 Bilt 2.0 卡。我只需取消富國銀行賬户嗎？</p>
</div><p>Generally speaking, you're better off keeping a credit card rather than canceling it, unless it has an annual fee, according to Matt Schulz, chief consumer finance analyst at LendingTree (TREE). Keeping the account open helps maintain your credit score by preserving the average age of your accounts and keeping your credit-utilization ratio - the amount of debt you owe relative to your total credit limit - as low as possible.</p>
<div class="lb-trans"><p>一般來説，除非信用卡有年費，否則保留信用卡比取消它更好，LendingTree（TREE）的首席消費者金融分析師 Matt Schulz 表示。保持賬户開放有助於維護您的信用評分，因為它保留了您賬户的平均年齡，並將您的信用利用率——您所欠債務與總信用額度的比例——保持在儘可能低的水平。</p>
</div><p>The Wells Fargo Autograph card, which Bilt 1.0 users will automatically receive if they don't transition to the new card, does not have an annual fee.</p>
<div class="lb-trans"><p>富國銀行 Autograph 卡，如果 Bilt 1.0 用户不轉到新卡，將自動收到該卡，沒有年費。</p>
</div><p>Dollar Signs: I don't want to pay the new $895 American Express Platinum fee - but will canceling the card hurt my credit score?</p>
<div class="lb-trans"><p>美元符號：我不想支付新的 895 美元美國運通白金卡年費——但取消卡會影響我的信用評分嗎？</p>
</div><p>If you still choose to cancel the Autograph card, you can avoid taking a hit to your credit score by asking for an increase to your credit limit on one or more of your other cards, Schulz said. By increasing the limits on your remaining cards, you replace the &#34;missing&#34; credit from the canceled account and prevent your overall usage ratio from spiking.</p>
<div class="lb-trans"><p>如果您仍然選擇取消 Autograph 卡，您可以通過要求提高其他卡的信用額度來避免信用評分受損，Schulz 説。通過提高剩餘卡的額度，您可以替代被取消賬户的 “缺失” 信用，防止整體使用比例激增。</p>
</div><p>&#34;Canceling a credit card can damage your credit score, but there are concrete steps that you can take to minimize the damage,&#34; Schulz said.</p>
<div class="lb-trans"><p>“取消信用卡可能會損害您的信用評分，但您可以採取具體步驟來最小化損害，” Schulz 説。</p>
</div><p>Do you have questions about credit cards that you would like to see covered in MarketWatch? We would like to hear from readers. You can write to us at readerstories@marketwatch.com. A reporter may be in touch to learn more. MarketWatch will not attribute your answers to you by name without your permission.</p>
<div class="lb-trans"><p>您是否對信用卡有問題希望在 MarketWatch 中看到？我們希望聽到讀者的聲音。您可以通過 readerstories@marketwatch.com 寫信給我們。記者可能會聯繫您以瞭解更多信息。MarketWatch 不會在未經您許可的情況下將您的答案以姓名歸屬給您。</p>
</div><p>-Genna Contino</p>
<div class="lb-trans"><p>-Genna Contino</p>
</div><p>This content was created by MarketWatch, which is operated by Dow Jones &amp; Co. MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.</p>
<div class="lb-trans"><p>此內容由 MarketWatch 創建，MarketWatch 由道瓊斯公司運營。MarketWatch 獨立於道瓊斯新聞通訊和華爾街日報發佈。</p>
</div><p>(END) Dow Jones Newswires</p>
<div class="lb-trans"><p>（結束）道瓊斯新聞通訊</p>
</div><p>01-31-26 1142ET</p>
<div class="lb-trans"><p>01-31-26 1142ET</p>
</div>

Should you ever cancel a credit card? Bilt's confusing rewards shake-up puts renters in a tough spot.

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你是否應該取消信用卡？Bilt 令人困惑的獎勵變動讓租客面臨困境