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Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Wells Fargo CC. Another try ?

I used to bank with them before I went to Chase. Reason for move, they won't give me any CC and only offer secured card.

Relationship with WF is I have car loan with them since 2007. Few months left to pay off. No late. I also have mortgage with them, no late Checking acct with them since 2008.

I kept one checking open with them with some money in it

Should I give it a go again? Last year they only offered secured card.

I have 26% util, 20% if cap one report my new acct with them. Aaoa is about 3 1/2 years.

No late no baddie ever. Just 16 inq from car shopping and trade another. So two cars shopping gave me 12 inq, they are from 2011 and in march. 3 are from last month of apping with 2 new tl. 1 from cli.

Should I give it another try with their cash back card?
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Posts: 275
Registered: ‎09-30-2012
0

Re: Wells Fargo CC. Another try ?

[ Edited ]

I apped twice. 'm in a similar situation. Car loan through WF HELOC through WF. Was one of my first apps back in Sept, denied. Apped for Amazon, approved $1400, apped Credit one, Approved $1000, apped Cabelas, approved $1500. THEN re-apped WF, BLAMMO $9000 CL. My credit score did not change in the whole time from Ex, but i'm assumng that mt utilization went down. Since then I have been approved by Lowes $1800, Home Depot $1800, Barclays, $1000 and Tractor Supply $4000!


Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Wells Fargo CC. Another try ?

Not sure if I wanted to app.. 16 inq will kill me, probably 10 of them will be gone by march '13

 

I no longer used WF checking, but I put about $100 a month deposit as saving into checking.

 

I want to app.. but gardening is good and tinuviel would probably kill me. Smiley Surprised

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Frequent Contributor
Posts: 275
Registered: ‎09-30-2012
0

Re: Wells Fargo CC. Another try ?

I have about 10 inq that will drop off in 6-7 months (car loan) and then the great app spree Fall 12. I would keep watching my score than app with WF in another month. Keep at it, you may get lucky.


Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Wells Fargo CC. Another try ?


obageegee wrote:

I have about 10 inq that will drop off in 6-7 months (car loan) and then the great app spree Fall 12. I would keep watching my score than app with WF in another month. Keep at it, you may get lucky.


I think, I will wait till all my new acct start reporting and drop my UTIL down below 20%.

 

I was hoping for more people to dig in lol.Smiley Very Happy

 

I thought about BofA but I have obsolutely no relationship with them.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 4,010
Registered: ‎10-02-2012
0

Re: Wells Fargo CC. Another try ?

[ Edited ]

I was approved for their Platinum card in April 2012 and I had a high utl, many inquries, and a score of 690 EX. I heard that they want you to have a checking acct with them before applying a mortagage or auto loan won't do it. They gave me a $2,500 CL Smiley Happy

Chapter 7 Bankruptcy Discharged on --/--/--
Current Credit Scores EX FICO 483, EQ FICO 481, TU FICO 449
No credit card or loan of any sort. (Awaiting Discharge)
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Wells Fargo CC. Another try ?


BearsAndTurtlesRtheBest wrote:

I was approved for their Platinum card in April 2012 and I had a high utl, many inquries, and a score of 690 EX. I heard that they want you to have a checking acct with them before applying a mortagage or auto loan won't do it. They gave me a $2,500 CL Smiley Happy


I still have a checking account with them, since '08.  My direct deposit is no longer with them as well as my saving. I moved to Chase.

 

However, I still have checking open with them that I no longer use as of last months, still has some money in it.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Senior Contributor
Posts: 4,010
Registered: ‎10-02-2012
0

Re: Wells Fargo CC. Another try ?

Then maybe a plainum card will be good for now then after treating their card well, Maybe you can apply for they cash back or rewards card  and they will see that you treated their card responsably/ I'm aiming for their Cash back but not until April 2013. At least my foot is already in one of their credit cards Smiley Happy Better than nothing.

Chapter 7 Bankruptcy Discharged on --/--/--
Current Credit Scores EX FICO 483, EQ FICO 481, TU FICO 449
No credit card or loan of any sort. (Awaiting Discharge)
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Wells Fargo CC. Another try ?


armbenderc wrote:

Not sure if I wanted to app.. 16 inq will kill me, probably 10 of them will be gone by march '13

 

I no longer used WF checking, but I put about $100 a month deposit as saving into checking.

 

I want to app.. but gardening is good and tinuviel would probably kill me. Smiley Surprised


 

Yep, I'm watching you... Smiley Tongue


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Wells Fargo CC. Another try ?


tinuviel wrote:

armbenderc wrote:

Not sure if I wanted to app.. 16 inq will kill me, probably 10 of them will be gone by march '13

 

I no longer used WF checking, but I put about $100 a month deposit as saving into checking.

 

I want to app.. but gardening is good and tinuviel would probably kill me. Smiley Surprised


 

Yep, I'm watching you... Smiley Tongue


Smiley Surprised What to do, hard decision, maybe drapping!

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

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