<prompt> Human: Ive had a retirementbrokerage account with Fidelity for over two years and Ive maxed out my IRA both years. They offer an excellent unlimited 2 cash back credit card for members only that gives the option of having the cash back translate directly into my retirement account. I want that. Credit Karma puts my credit at 700, which has stayed flat as Ive casually checked it once every 45 months or so for the last two years. I was denied the card, which I suppose makes sense as one of the financial blog reviews of the card said they thought one was unlikely to be approved with a score below 700. Being at exactly 700 and having an account in good standing I tried anyway and failed. So now Im doing this credit building loan with a 2000 loan at 5 interest. So basically Im paying 100 to jack my credit up ___ points. Would anyone be willing to take a guess at exactly how many points I could expect?Edit: Also, is this a good idea? Ive been approved but have yet to pull the trigger.  <response>: Youre wasting your money. Pay off the loan. Just get a different credit card and your score will slowly tick up 