Used a soft pull to see if Meet Tally would approve and they gave me a $10k LOC at 10.99% with no annual fee. I am in CA so this should report to the bureaus and help lower my utilization a bit. I have lots of accounts already so it shouldn't lower my AAoA too much, I figure it will make my score go up. My understanding is that there is no hard inquiry for this new account which is great. Unfortunately the card balances I would like to transfer to the LOC are not supported for automatic payments, but I am reaching out to support to see if they can manually transfer. Worst case now if I need to spend some money on my major bank rewards cards and I end up in a situation where I don't have enough cash on hand to make the payments in full I can use this line for a relatively low rate to consolidate balances until my cashflow catches up once I receive funds from quarterly RSU stock sales/biannual ESPP Sales.
