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Super Contributor
enharu
Posts: 6,889
Registered: ‎02-27-2013

Re: Credit cards you just can't seem to "crack"

I remember getting my Wells Fargo unsecured card when I was 18 and didn't even have a social security number lol. However they are conservative now after the crisis.

On the side note: Wells Fargo is pilot testing some new cards. Some customers are getting invitations to pilot test the program. No exact details on rewards structure but its going to be a visa signature card. Currently Wells Fargo signature Visa cards are by invitation only through their advisors.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
New Contributor
mcf
Posts: 355
Registered: ‎02-25-2013

Re: Credit cards you just can't seem to "crack"

Yeh i wont hold my breath lol!! I might just suffocate. But whoever g4ts on that testrun Good Luck!

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Credit cards you just can't seem to "crack"

I had a sour experience with WF in April. Still have my personal and business checking/savings with them and a couple of investment accounts with them. Eventually will close my personal savings/checkings and maybe still leave the business accounts with them a little longer. Going to apply for their business credit card towards the end of this year and that will determine if i keep them open.



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Credit cards you just can't seem to "crack"


enharu wrote:
I remember getting my Wells Fargo unsecured card when I was 18 and didn't even have a social security number lol. However they are conservative now after the crisis.

On the side note: Wells Fargo is pilot testing some new cards. Some customers are getting invitations to pilot test the program. No exact details on rewards structure but its going to be a visa signature card. Currently Wells Fargo signature Visa cards are by invitation only through their advisors.

you may have a good chance at being those lucky ones enharu...:smileyhappy:



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012

Re: Credit cards you just can't seem to "crack"

Nothing yet. I'm still waiting for my first denial.
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Credit cards you just can't seem to "crack"


CreditScholar wrote:
Nothing yet. I'm still waiting for my first denial.

haha! you are one of the very lucky ones here Scholar...:smileyhappy:



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

Re: Credit cards you just can't seem to "crack"


CreditScholar wrote:
Nothing yet. I'm still waiting for my first denial.

You're denied!

 

I wish I had your scores :smileywink:


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012

Re: Credit cards you just can't seem to "crack"

I probably just jinxed myself and the next time I apply for something, it will come back saying DENIED!
FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Credit cards you just can't seem to "crack"

[ Edited ]

CreditScholar wrote:
I probably just jinxed myself and the next time I apply for something, it will come back saying DENIED!

meh...just knock on some wood and you will be alright...lol



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Contributor
jmco
Posts: 92
Registered: ‎09-23-2012

Re: Credit cards you just can't seem to "crack"

Mine are AMEX and the salliemae MC!

Starting Score: 720
Current Score: 626
Goal Score: 700


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