Reply
Epic Contributor
Creditaddict
Posts: 22,092
Registered: ‎10-23-2007
0

Re: Really, really, really worried.

Id look at Capital One Secured Card, First National Bank Secured, Bank of America Secured #1!!!

The wells Fargo Secured is probably my least favorite!

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Moderator
Revelate
Posts: 9,751
Registered: ‎12-30-2011
0

Re: Really, really, really worried.


enharu wrote:
Try calling or heading into the branch that you usually go to. The bankers might be able to help you get an answer right away.

You can also try calling the back door number, but Wells Fargo underwriters sometimes aren't really that willing to help or disclose anything over the phone.

It may just be an ID verification issue, or that they need to verify your deposit funds. Don't worry too much about it.


+ 1.

 

No secured cards are really instant approvals, and they virtually all give a waiting message.  7-10 days isn't too bad, every time I did a BOFA secured card think their messaging to me was closer to a month, though they did manage to complete it in two weeks generally and that was with a BOFA checking account they were pulling the money out of it.

 

Don't sweat it, this is completely normal process.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Really, really, really worried.

+1 to Revelate.  Don't sweat it.  You can call the backdoor number, or just wait for their response.  Wishing you luck though!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Community Leader
Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Really, really, really worried.

Secured cards in most cases are in processing until the funds are secured from your bank:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}