shouldn't effect your fico score, but your creditors may not like it, and you can get burned if they have an fee for going over the limit. If you ever let it report it will effect your high balance field that may effect you. May want to app for another card possibly GE backed card they may take a chance they are quite good at giving CLI's every 4 months and the walmart card comes with monthly TU08 scores if you go paperless statements.
Wallet: FNBO DISC 7.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k