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I was approved for a Wells Fargo Cash Back visa 3 years after filing BK7. I was denied a year ago, but approved today. So I guess one of the big banks in BK friendly.
@mrsjr wrote:I was approved for a Wells Fargo Cash Back visa 3 years after filing BK7. I was denied a year ago, but approved today. So I guess one of the big banks in BK friendly.
It's a miracle! They must love you ... congrats!
Not bad!
Work with that card for a while and maybe in the future you can qualify for a Propel.
Congrats
Congratulations!!! I was sent an email invitation to apply for the same card, but held off because of hearing Wells Fargo wasn't BK friendly. I have a mortgage with WF that was discharged in BK. However, I haven't had a late payment on the mortgage in approximately five years and will continue to pay the mortgage. All my IIBK accounts fall off this year except my mortgage. I may apply after my credit reports are mostly clean.
Mrsjr - Do you have any IIBK accounts still reporting on your credit reports? Do you have a banking or other relationship with WF?
Congratulations on your approval. I just got approved for 2 Wells Fargo credit cards (Home Improvement Visa & Mortgage Rebate Visa) a couple of days ago and I have both a BK13 and a paid judgement on my credit (along with a few other baddies). I got a CL of $7,800 for Home Improvement and $3,000 for Mortgage Rebate. You can see my "App Spree" post for details, but I was really nervous about them approving me also. I've always known them to be a more conservative bank, and not very BK friendly. Maybe they're finally loosening up a bit.
I should have also mentioned that I do have my current mortgage with Wells Fargo, but that is the only relationship I have with them.
@CWESTL wrote:Congratulations!!! I was sent an email invitation to apply for the same card, but held off because of hearing Wells Fargo wasn't BK friendly. I have a mortgage with WF that was discharged in BK. However, I haven't had a late payment on the mortgage in approximately five years and will continue to pay the mortgage. All my IIBK account fall off this year except my mortgage. I may apply after my credit reports are mostly clean.
Mrsjr - Do you have any IIBK accounts still reporting on your credit reports? Do you have a banking or other relationship with WF?
The only relationship I have with them is a checking account, but I don't keep much money in it. I do most of my banking at another institution. And all of my IIBK accounts have fallen off. Good luck to you when you decide to apply. I keep my utilization very low, usually at 0-1%, so that may have helped me.
Congrats on the approval!
@mrsjr wrote:I was approved for a Wells Fargo Cash Back visa 3 years after filing BK7. I was denied a year ago, but approved today. So I guess one of the big banks in BK friendly.
Congrats!!! FYI, I spoke with Wells Fargo underwriting when I first got my card and was told that you can request CLI every four months. In 8 months I went from a new relationship with them to 30k between two cards (20k on Platinum Visa and 10k on Propel)