topic Opinion on BILT Mastercard with 684 in Credit Cards

Opinion on BILT Mastercard with 684

Soundersfan1 — Wed, 25 Jun 2025 07:18:59 GMT

So my Experian FICO 8 is currently at 684.

Here are my data points

Credit Usage - 28% (Including AU accounts)

Credit Age - 1 Year 4 Months (12 year 6 months on AU account)

Late Payments - 0

Inquries:

Experian - 0/6, 9/12, 13/24

TransUnion - 2/6, 9/12, 18/24

Equifax - 0/6, 2/12, 3/24

What do you guys think? Should I have a go at the BILT Mastercard?

Re: Opinion on BILT Mastercard with 684

coldfusion — Wed, 25 Jun 2025 19:56:53 GMT

What is your utilization percentage without the AU padding?

Do you already have any open deposit accounts or credit cards with Wells Fargo?

Re: Opinion on BILT Mastercard with 684

dfwxjer — Wed, 25 Jun 2025 20:03:55 GMT

What's your utilization with the AU cards backed out?

*edit* apologies just saw this was already asked

Re: Opinion on BILT Mastercard with 684

Soundersfan1 — Tue, 01 Jul 2025 21:48:24 GMT

54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.

With AU - 27%
W/O AU - 54%

Re: Opinion on BILT Mastercard with 684

JoeRockhead — Tue, 01 Jul 2025 22:04:34 GMT

@Soundersfan1 wrote:
54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.

With AU - 27%
W/O AU - 54%

Since they're going to disregard the AU accounts, and strictly look at your accounts it certainly wouldn't hurt to get your aggregate utilization under 29%.

Re: Opinion on BILT Mastercard with 684

coldfusion — Tue, 01 Jul 2025 22:30:57 GMT

@JoeRockhead wrote:
@Soundersfan1 wrote:
54%, WF just declined the application for high debt to income ratio. Not sure if I should lower my utilization to under 30% without AU and then applying again.

With AU - 27%
W/O AU - 54%

Since they're going to disregard the AU accounts, and strictly look at your accounts it certainly wouldn't hurt to get your aggregate utilization under 29%.

Yep. No guarantee that would get you over the hurdle but it's a step in the right direction.

Re: Opinion on BILT Mastercard with 684

Soundersfan1 — Tue, 01 Jul 2025 23:42:54 GMT

I'm just a little worried about recent inquires since WF is known to be inquiry sensitive.