Epic Contributor
Posts: 22,067
Registered: ‎10-23-2007

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)
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66 Cards and Counting :smileytongue:
Posts: 9,738
Registered: ‎12-30-2011

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)

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Posts: 12,952
Registered: ‎04-15-2011

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
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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
Posts: 26,659
Registered: ‎02-07-2013

Re: Really, really, really worried.

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

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