topic Re: BILT Instant Approval with $2.5k SL in Credit Card Approvals

BILT Instant Approval with $2.5k SL

Luminosa — Fri, 25 Apr 2025 14:02:13 GMT

Hi, all!

I was recently approved for my first off-campus apartment and have wanted to apply for the Bilt card for a while. I decided to take a risk by applying and was stuck on loading screens for quite a bit until I was approved for $2,500 at 28.49% (a bit insulting but ultimately irrelevant).

Data points:

• I have no previous banking or credit relationships with Wells Fargo.

• Wells Fargo appears to have pulled Experian FICO 9, which was a 760 for me.

• I reported income of about $27,000.

• My DTI is 0.08%.

• I was 0/12, 1/24 before applying.

With this card finally secured, I'm back to gardening until I hit 800 with at least one of my scores.
IMG_4240.jpeg

Re: BILT Instant Approval with $2.5k SL

chamathkari — Fri, 25 Apr 2025 23:07:25 GMT

Congratulations on your Approval.

Re: BILT Instant Approval with $2.5k SL

CreditMagic7 — Sat, 26 Apr 2025 01:19:28 GMT

Congrats on your WF Bilt Card Approval.

Re: BILT Instant Approval with $2.5k SL

user979797 — Sat, 26 Apr 2025 01:49:24 GMT

Congratulations 🎉 🎉 🎉 on your Wells Fargo approval. I have been successful at requesting soft pull limit increases with Wells so you can grow your limit over time with no hard pulls. Woo Hoo ☺️

Re: BILT Instant Approval with $2.5k SL

firefox100 — Sat, 26 Apr 2025 13:15:01 GMT

Congratulations enjoy it have fun.

Re: BILT Instant Approval with $2.5k SL

Copenix — Sat, 26 Apr 2025 15:02:42 GMT

Nice. Good job on the approval. Enjoy the Bilt.

Re: BILT Instant Approval with $2.5k SL

Luminosa — Sun, 27 Apr 2025 16:32:57 GMT

@user979797 wrote:
Congratulations 🎉 🎉 🎉 on your Wells Fargo approval. I have been successful at requesting soft pull limit increases with Wells so you can grow your limit over time with no hard pulls. Woo Hoo ☺️

Thank you! I was wondering about that, actually. I'd seen some people say CLI requests would be hard pulls and others say it would be soft. Is there a general rule on how frequently I can request a CLI? I'm used to 6 months with NFCU but they're also very generous with their lending and I have no point of reference for WF.

Re: BILT Instant Approval with $2.5k SL

Jeffster1 — Sun, 27 Apr 2025 16:48:33 GMT

Congrats!

Re: BILT Instant Approval with $2.5k SL

user979797 — Sun, 27 Apr 2025 16:56:22 GMT

@LuminosaI have always requested increases every 6 months with Wells Fargo, starting with my first request exactly 6 months after I opened my card. Every request I have done has always been soft pull and they have told me a few times that I don't have to wait 6 months to request again, but I wait anyway in case that causes hard pulls. If you want to ensure a soft pull every time just freeze your reports like I do. I believe Wells will tell you if there is a actual hard pull involved with your increase request and certain representatives will say it's hard while others don't just FYI. The one time I was told it was a hard pull I hung up and called back and was told it was soft pull and got my increase. This is just my experience with them.

I hope that helps with your question and good luck with your new Wells card 😊🎇

Re: BILT Instant Approval with $2.5k SL

Luminosa — Sun, 27 Apr 2025 18:19:44 GMT

@user979797 wrote:
@LuminosaI have always requested increases every 6 months with Wells Fargo, starting with my first request exactly 6 months after I opened my card. Every request I have done has always been soft pull and they have told me a few times that I don't have to wait 6 months to request again, but I wait anyway in case that causes hard pulls. If you want to ensure a soft pull every time just freeze your reports like I do. I believe Wells will tell you if there is a actual hard pull involved with your increase request and certain representatives will say it's hard while others don't just FYI. The one time I was told it was a hard pull I hung up and called back and was told it was soft pull and got my increase. This is just my experience with them.

I hope that helps with your question and good luck with your new Wells card 😊🎇

This is super helpful. Thank you!

Re: BILT Instant Approval with $2.5k SL

CreditAggie — Mon, 28 Apr 2025 00:38:29 GMT

Congratulations on your BILT approval!

Re: BILT Instant Approval with $2.5k SL

cashorcharge — Mon, 28 Apr 2025 19:11:39 GMT

Nicely done!! Congratulations on your Approval!!👏🏼🍾🥂