Originally Posted by
gudugan
Isn’t this bad for your credit?
My rent is more than my CL (sigh) so maybe I should apply for a CL increase just to float it. Did they do a hard pull?
Utilization on your credit score has no history, it's only based on the last reported values. So if I really needed to boost my score I could just pay the Bilt card off before it reports.
Additionally though, the Bilt card is such a low limit compared to my other cards that having it maxed out all the time doesn't make much of a dent in my total utilization percentage. My FICO is over 800 either way.
No hard pull, but the DP's I've seen for how WF handles the CL increase requests are all over the place.