Wells Fargo approval????

[12njoy]

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@B335is wrote:

Congrats you're on the roll!!

How did you verify income with WF?  Paystubs?  Just asking because I had a recent app with KeyBank and they want 4506T authorization.  I didn't think most banks asked for that stuff up front but I was wrong.

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Thank you.  WF never asked me to verify income only social security number.  Needless to say verifying my ssn was a process.  I've never heard of anyone other than Amex needing that 4506T or something similiar.

[Ron1]

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@12njoy wrote:

Yea, 

Approved for $2,000.  Not the CL I was looking for, but it beats the $500 I got from Huntington.  I'm officially in the garden now.  Thank you all for your support!

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Congrats on your approval!!!! I am glad you got the card. It is better than denial.

Ron.

[12njoy]

Thanks Ron it certainly is. I'm off to the garden now. Well try to grow what I have, but that may be a stretch with income of 64k. I don't carry any real balances on these cards, but I do use them by rotating usage each month.

[Ron1]

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@12njoy wrote:
Thanks Ron it certainly is. I'm off to the garden now. Well try to grow what I have, but that may be a stretch with income of 64k. I don't carry any real balances on these cards, but I do use them by rotating usage each month.

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You're welcome. They should have given more  at least $5K. It is better than your Huntington Voice. WF is very conservative. I only got $1800 for my Kirklands.

Ron.

[12njoy]

I'm happy with the 2k given the total available credit that I have. I guess they figured better safe than sorry about me. The only one left for next year, after baddies fall off EX is CITI. We'll see how forgiving they really are when I gave no baddies left with their 1993 BK.

[Josh2942]

In my opinion. Wells Fargo sucks as a bank and a creditor. I hate their rewards and their cards. They are all essentially the same card. You only get a bonus for 6 months than they all have 1x point cash back. I switched over to Chase because the freedom and checking and saving are better

[12njoy]

Called WF to see if I could get higher limit.  Credit dept. said they approve for the highest limit.  I was told that they periodically review accounts for auto cli in 7-10 months based on credit history and usage.  CSR said I have 0% for 12 months and then variable after that.  Couldn't tell me what the actual rate would be after 12 months, but no worries since I PIF.  I'll start using the WF, 5/3, US Bank, Huntington and Fidelity cards exclusively to see what happens in the next 6 months.

[Hammer23]

Congrats on your Wells Fargo approval. For me they have been my most steady grantor of CLIs. The card gets minimal usage ($50 a month or so) but I call in every 6 months and request a CLI. I always ask for $5000 and the always counter me with a lower amount and offer to send it to UW for additional consideraton with a HP. I normally just accept the counter offer and it has never been a HP. 

Have went from $500>$700>$1200>$1400>$2000 on this card. 

They have also offered bonus earnings at times (bumping the 1% standard cash to 3-5% in selected categories at certian times. 

[12njoy]

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@Hammer23 wrote:

Congrats on your Wells Fargo approval. For me they have been my most steady grantor of CLIs. The card gets minimal usage ($50 a month or so) but I call in every 6 months and request a CLI. I always ask for $5000 and the always counter me with a lower amount and offer to send it to UW for additional consideraton with a HP. I normally just accept the counter offer and it has never been a HP. 

Have went from $500>$700>$1200>$1400>$2000 on this card. 

They have also offered bonus earnings at times (bumping the 1% standard cash to 3-5% in selected categories at certian times. 

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Thanks for the information.  That helps.  I'm going to run about $1,000 a month through there and PIF before statement cuts and see what they do.  I'll be asking to go to $7,000 my first go round.

[Hammer23]

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@12njoy wrote:

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@Hammer23 wrote:

Congrats on your Wells Fargo approval. For me they have been my most steady grantor of CLIs. The card gets minimal usage ($50 a month or so) but I call in every 6 months and request a CLI. I always ask for $5000 and the always counter me with a lower amount and offer to send it to UW for additional consideraton with a HP. I normally just accept the counter offer and it has never been a HP. 

Have went from $500>$700>$1200>$1400>$2000 on this card. 

They have also offered bonus earnings at times (bumping the 1% standard cash to 3-5% in selected categories at certian times. 

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Thanks for the information.  That helps.  I'm going to run about $1,000 a month through there and PIF before statement cuts and see what they do.  I'll be asking to go to $7,000 my first go round.

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NP, Just remember it appears that frontline CSR can give CLI after 6 months with a SP, but if they offer to escalate to UW it will more than likely be a HP. YMMV however.