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App for Wells Fargo? Or forget about it?

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mjb59463
Regular Contributor

App for Wells Fargo? Or forget about it?

Hey everyone,

I'd like to app for Wells Fargo, since I'm planning on accepting a new job in a city where USBank doesn't have a presence. I always like to have a card with whoever I bank with.

I tried moving to them for different reasons about 2 years ago and was denied for some very strange reasons (I had a checking account with them when I was 14, and I owed $7 dollars in fees that I didnt pay at that time). Paid off the $7, still declined.

Wondering if it's worth a shot again?
Scores: 790 TU (Barclay), 780 EX (Fico8), 790 EQ

Chase Freedom Unlimited (6k), CSP (20k), Amex Delta Platinum (13.5k), Amex Marriott Bonvoy (16k), Barclay Apple (12.5k), USBank Flexperks Travel Rewards (12k), Wells Fargo Visa Signature (10k), Citi Double Cash (8k), Amex Gold, Amex Platinum, Amex BBP (15k) Marriott Bonvoy Boundless (15k)
Message 1 of 12
11 REPLIES 11
PetRaccoon
New Contributor

Re: App for Wells Fargo? Or forget about it?

I'd say wait till those lates fall off before trying to app for anything IMO.  Garden time!

TU08:: 754 (4/14) EQ: 745 (6/14) 753 (1/13) Ex: 766 (12/11)
Goal: 800! Then Keep it there and keep growing!~
Card(s): HSBC Premier WMC: 5,000 (7/09), Chase Freedom 6,000 (11/11) BCE 3,200 (12/11) Chase Saph: 5,000 (5/12)
Message 2 of 12
mjb59463
Regular Contributor

Re: App for Wells Fargo? Or forget about it?

7 years of not apping......oh boy haha.
Scores: 790 TU (Barclay), 780 EX (Fico8), 790 EQ

Chase Freedom Unlimited (6k), CSP (20k), Amex Delta Platinum (13.5k), Amex Marriott Bonvoy (16k), Barclay Apple (12.5k), USBank Flexperks Travel Rewards (12k), Wells Fargo Visa Signature (10k), Citi Double Cash (8k), Amex Gold, Amex Platinum, Amex BBP (15k) Marriott Bonvoy Boundless (15k)
Message 3 of 12
vygotsky
Contributor

Re: App for Wells Fargo? Or forget about it?


@mjb59463 wrote:
7 years of not apping......oh boy haha.

Since its a checking account and not on your CR why do you have to wait 7 years? I would give it 90 days

FICO 733 (Discover)
Message 4 of 12
mjb59463
Regular Contributor

Re: App for Wells Fargo? Or forget about it?

Oh, I think PetRacoon and I were referring to my 30 and 60 day Lates.

Those are 7 years to fall off, right?
Scores: 790 TU (Barclay), 780 EX (Fico8), 790 EQ

Chase Freedom Unlimited (6k), CSP (20k), Amex Delta Platinum (13.5k), Amex Marriott Bonvoy (16k), Barclay Apple (12.5k), USBank Flexperks Travel Rewards (12k), Wells Fargo Visa Signature (10k), Citi Double Cash (8k), Amex Gold, Amex Platinum, Amex BBP (15k) Marriott Bonvoy Boundless (15k)
Message 5 of 12
coldnmn
Mega Contributor

Re: App for Wells Fargo? Or forget about it?

I suggest going in and applying. If your denied because of a paid $7 charge at least it would be entertaining having them tell you why. But seriously I believe you would have a much better chance face to fase.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 12
vygotsky
Contributor

Re: App for Wells Fargo? Or forget about it?


@coldnmn wrote:

I suggest going in and applying. If your denied because of a paid $7 charge at least it would be entertaining having them tell you why. But seriously I believe you would have a much better chance face to fase.


Do you have a better change with cc apps going into the bank all the time or is this only with Wellsfargo and the OP?

FICO 733 (Discover)
Message 7 of 12
coldnmn
Mega Contributor

Re: App for Wells Fargo? Or forget about it?


@vygotsky wrote:

@coldnmn wrote:

I suggest going in and applying. If your denied because of a paid $7 charge at least it would be entertaining having them tell you why. But seriously I believe you would have a much better chance face to fase.


Do you have a better change with cc apps going into the bank all the time or is this only with Wellsfargo and the OP?


Depends on your file normally it shouldn't matter but declined because of $7 if I were the banker I don't think I could tell them that they were declined because of it. I would go the extra mile to get them approved. Where computers don't care.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 12
mjb59463
Regular Contributor

Re: App for Wells Fargo? Or forget about it?

Update: I went in to the branch, my cousin is now a banker there. He deleted that $7 dollars with his managers approval (manager just laughed when he saw it) filled out my app, submitted it. Instant approval for 3k.


Thanks ColdnMN, appreciate you helping a fellow Minnesotan out. Thanks to everyone else too!

Scores: 790 TU (Barclay), 780 EX (Fico8), 790 EQ

Chase Freedom Unlimited (6k), CSP (20k), Amex Delta Platinum (13.5k), Amex Marriott Bonvoy (16k), Barclay Apple (12.5k), USBank Flexperks Travel Rewards (12k), Wells Fargo Visa Signature (10k), Citi Double Cash (8k), Amex Gold, Amex Platinum, Amex BBP (15k) Marriott Bonvoy Boundless (15k)
Message 9 of 12
mikelo22
Established Contributor

Re: App for Wells Fargo? Or forget about it?

Congrats on the approval! Crazy that a $7 charge may have been the culprit. 

Message 10 of 12
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