I didn't want to bother with BiltProtect any more so I called and requested a credit limit increase with the number on the back of the card. They asked for income and monthly housing payment and the call took about 25 mins. I requested a moderate increase from my original limit (less than $5k, also less than my rent amount) to around double. They called back a few hours later and it was approved without a hard pull on my credit as all my lines were frozen the whole time. Success!