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Established Contributor
cashnocredit
Posts: 947
Registered: ‎07-18-2009

Re: Wells Fargo graduation!!


Tischer712 wrote:
They graduated me October 30th. Will officially go in effect on December 3rd. Hopefully I will get the money back just before Christmas. It will definitely help

You will get back your security deposit very soon. I'd be surprised if you haven't recieved it by the end of the week. When mine was unsecured the money was returned about 3 days after they notified me. It took a couple weeks to get the new card and I could still use the new card until then. The new card has no AF.

 

Congrats.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
Established Contributor
bettercreditguy1
Posts: 738
Registered: ‎02-11-2012

Re: Wells Fargo graduation!!

Congradulations. Always pay on time and in full and your score will continue to climb!.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
New Contributor
mrwheezy117
Posts: 63
Registered: ‎07-26-2012

Re: Wells Fargo graduation!!

Just curious but did the graduation come electronically or by mail? What was the process like?
Regular Contributor
Tischer712
Posts: 235
Registered: ‎12-02-2011

Re: Wells Fargo graduation!!

The graduation came by mail. Not a single notice on the Website. Just a piece of mail. My card turned one year In October. I had been told I did not qualify for a graduation and would be considered in April. Then out of no where I received this notice. I was told by a CSR that there is no CLI included, but my money will be refunded. As of December 3rd, the option to request a CLI will be available and I could try then.


Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board


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New Contributor
baronofthenorth
Posts: 72
Registered: ‎03-19-2011

Re: Wells Fargo graduation!!

Still waiting on mine.  Partially unsecured right now (700 on deposit, 1100 CL).  I called last month and the month before - no dice.  One CSR tried to go the "app for a new account" route, which I promptly refused.  Kathy Mattea had a great song back in the 90's that comes to mind as I write this "Time Passes By".

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
New Member
JonDoe1980
Posts: 14
Registered: ‎09-26-2012

Re: Wells Fargo graduation!!

I was told that I wasn't approved in the October graduation so I went ahead and applied for a rewards card..I was approved for a $2,500 limit and was very confused as to why they hadn't graduated me.  I also got my graduation letter today for my $500 secured card, I called and was told that I will receive final confirmation on the 3rd of December. 

 

So my question is that if I decide to increase my deposit before I receive my original deposit back will it increase my chances of getting a higher credit increase? Any thoughts on the matter? I am thinking on putting another $1000 on it tomorrow...


Starting Score: 580
Current Score: 681
Goal Score: 750


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Valued Member
rc1078
Posts: 27
Registered: ‎09-11-2012

Re: Wells Fargo graduation!!

I got the same letter Monday!  I am curious how long it takes to get the new card.  I am scared to call in cause I don't want to jinx it.  Also I would like to know since my secured card was 1000, will that be my CL with the new one, or will they look to increase or decrease it?

 

Thanks!

July 2012 TU 480, EQ 527, EX 495
Aug 2012 TU 475, EQ 527, EX 505
Sept 2012 TU 530, EQ 585, EX 595
Oct 2012 TU 640, EQ 605, EX 615
Valued Contributor
dodgerslv
Posts: 1,650
Registered: ‎06-16-2012

Re: Wells Fargo graduation!!


JonDoe1980 wrote:

I was told that I wasn't approved in the October graduation so I went ahead and applied for a rewards card..I was approved for a $2,500 limit and was very confused as to why they hadn't graduated me.  I also got my graduation letter today for my $500 secured card, I called and was told that I will receive final confirmation on the 3rd of December. 

 

So my question is that if I decide to increase my deposit before I receive my original deposit back will it increase my chances of getting a higher credit increase? Any thoughts on the matter? I am thinking on putting another $1000 on it tomorrow...


thats what i am going to do if dont qualify for the April graduation (when i am eligible)...i will just apply for the unsecured card and hope for the same resutls. My secured card has a limit of 3000. and have a good payment history with them and my balance has been no higher than 850, just sent a 500 payoff payment.



cards in wallet : Chase CSP (15k), BofA Privilege (33K), Amex BCP (6K), Discover (8k), Barclays Arrival + (12.5k), US Bank Flex Travel (7.5K), US Bank Cash + (6k) Penfed Rewards (22.5k)
cards for travel: Citi AA WEMC (20K), Citi Prestige (11.5K), Chase Ritz (20K), Chase United Explorer (22K), Barclays US Airways (10k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755




Regular Contributor
Tischer712
Posts: 235
Registered: ‎12-02-2011

Re: Wells Fargo graduation!!

Good luck to you guys!!

 

As of today 11-10-2012 I still havent received the refund or new card. Not in too much of a rush. Just hope it comes before the next reporting date, because the refund of the deposit will go towards paying off all my credit cards, and once again have under 9% util on all my card...Fingers crossed!! When i put 250/300 and 260/376 on my cards i saw a drop of almost 40 points on Equifax. Getting those points back will surely help!


Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board


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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Wells Fargo graduation!!

Congrats on your graduation!


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
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