Originally Posted by
Majuki
This shouldn't affect 5/24 or other calculations. While there will be a new trade line with the credit bureaus, the opening date should be backdated to whenever you first opened the Wells Fargo issued Bilt card. The existing trade line with Wells Fargo will show as a closure due to the card being transferred/sold to a new issuer.
i dont think it is going to work that way because you can choose to keep or close the WF account. unless there is different treatment between people who keep and people who dont keep their WF card
Last edited by Caspavio; Nov 5, 2025 at 12:33 pm