you may find more answers in the bankruptcy section hope this helps
Wells Fargo is not known to be BK friendly for unsecured credit cards.....but like has been suggested read through the bankruptcy forums you'll find a lot of useful information there
I apped about two years ago, my BK was 8 years in. They denied me and the reason they stated was BK. It might have been other components as well, I had one late at 4.5 years. Score was about 700.
A few months ago, my mom was approved for WF's Rewards card with $12k CL with a BK7 from 2004 reporting.
But she has been a WF checking customer since 1986 when she moved here and has never had any issues with that account. And she has a closed PIF/No lates WF auto loan from 2010-2011 reporting from when she cosigned on my car.