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Established Contributor
Posts: 722
Registered: ‎06-06-2012
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Re: Since Cap1 has been doing it...WF figured to start

Seems strange this day and age to have to put a hold on a domestic check. Having said that, just use electronic payments. I haven't had an issue like this in 5 years.

Valued Contributor
Posts: 2,234
Registered: ‎09-16-2011
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Re: Since Cap1 has been doing it...WF figured to start

They both are reminding you that you hold a subprime card and you will be treated as a substandard citizen untill you graduate to a prime card, yet its unlikely that either bank will graduate you to a prime card this decade, and you should leave them behind as soon as possible,  

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
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Valued Contributor
Posts: 2,284
Registered: ‎07-23-2012
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Re: Since Cap1 has been doing it...WF figured to start

none of my cards have ever held onto anything. 

 

a few weeks ago i tried paying my best buy store card (hsbc now capone) 

1300 payment. 

they said they tried the debit card but was denied and that it was the banks reason and to contact them. 

funny thing is i work at the bank and i looked my limit was 10k purchases and was 1k(at one time out of the atm) 

so anyways told em my account number and ach transit number and bam went through. 

payment posted after 2 days but held onto the credit for about two weeks. 

(it just freed up) 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
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