WF Secured CC Graduation

[CreditDrama85]

for those of you who said you've received invitations to convert your WF secured card to the WF platinum card, when you had the secured card did you carry a balance ? was it after your 12th statement closed that you received your invitation in the mail? did they increase your credit line at all after they converted your card?

im approaching the timeframe for hopefully receiving this inviation for the platinum card and these are all things i was wondering......hopefully i can get a decent cli and transfer oustanding balances.

[BoysMumx2]

Creditdrama,

I'm research prime secured cards right now and I was wondering what your experience was like with Wells Fargo?  Has it been a good one?  Any feedback you could give would be great, as I'm trying to add as much info to a blog on these cards as possible.

Thanks!  (and congrats on making it to graduation!  I hope they do it quickly for you!!)

[CreditDrama85]

my experience has been excellent! whenever i make a payment by phone, usually they update my available credit at the end of that day before the payment even post (so i can make additional purchases if i need to), i earn rewards and can view my point balance online, AND i have seen a few other people on here say that at 12 months they got an invitation in the mail for the platinum card.....

i noticed that WF has been doing soft checks on my credit, since im approach 12 months maybe this is how they see if you qualify.

i also have unsecured cards with Citi, CapOne, and Chase......and i think WF has had the best CustServ, with Citi second in line....

Message Edited by CreditDrama85 on 03-18-2008 03:46 PM

[BoysMumx2]

This is very positive!  I've noticed that they seem to offer a good product.  I'll add a note on the blog that they were softing about once per month and that a cardholder reported a good experience.  It definitely tips things their way, in my mind.

[Red1Blue]

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CreditDrama85 wrote:

my experience has been excellent! whenever i make a payment by phone, usually they update my available credit at the end of that day before the payment even post (so i can make additional purchases if i need to), i earn rewards and can view my point balance online, AND i have seen a few other people on here say that at 12 months they got an invitation in the mail for the platinum card.....

i noticed that WF has been doing soft checks on my credit, since im approach 12 months maybe this is how they see if you qualify.

i also have unsecured cards with Citi, CapOne, and Chase......and i think WF has had the best CustServ, with Citi second in line....

Message Edited by CreditDrama85 on 03-18-2008 03:46 PM

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Interesting. I did not know WFB is superior CS than Citi. What is the score required to WFB unsecure card? What is the score for their Secured Card?

[CreditDrama85]

the score to convert is supposed to be 600 but ive read that they do not pull your CR so i wonder how that will work? and my score was 505 when i opened the account

[modernsurrender]

Do you actually bank with WF or just have the card with them?  I wanted to try them out but I wasn't sure how they felt about extending credit to people who don't have accounts with them.  I ended up going with BofA and Orchard, but I'm not planning on keeping Orchard open very long since they're not much of a growing card.

[Red1Blue]

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CreditDrama85 wrote:

the score to convert is supposed to be 600 but ive read that they do not pull your CR so i wonder how that will work? and my score was 505 when i opened the account

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What about score for their unsecure card? I have not seen their card listing offers on any of the boards on the web.

[CreditDrama85]

on whogavemecredit.com for cards that start out unsecure i saw scores in the high 500s w/ no BK being approved for the WFF card and scores in the high600s w/ no BK for the WF card