Can the $17 monthly spending limit on the Build and Build Starter memberships really impact my credit score? Isn’t that too low to make a difference?

Believe it or not, a $17 monthly spending limit on our Build accounts may improve your credit history, when you make your payments on-time. While the monthly spending limit is $17, we report the total credit limit as $204 ($17 x 12 months), which helps keep your credit utilization below 10%.