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@Anonymous wrote:
@B335is wrote:
Any difference between applying online or over the phone?Have you considered visiting a branch to apply? I'm likely in the minority but I feel it's a better odds scenario so if they have any questions they can quickly get in touch with the U/W's. I guess "selling yourself", so to speak, is easier done in person.
I don't have any banking relationship other than the card (and the Dillards card) so I didn't think to apply in branch. It makes sense though since verification issues tend to pop up for me with a lot of lenders.
@B335is wrote:
My Wells Fargo Propel World Amex is coming up on the one year anniversary so I called Customer Service today. First I asked if it is eligible for CLI (it remains at $8k limit from when I applied last year) and he said he can submit it but had no way of knowing if it was hard or soft pull. So I didn't proceed. Next I asked for PC options to mitigate my AF. He only gave me one option to the Propel 365, but nothing without an AF. He said I can apply for a new card then ask to move my existing limit to that (if approved), but if I'm going to apply for an entirely new card I might as well apply for the Propel 365 to get the sign up bonus! I have other cards for 5% gas and I rarely eat at restaurants, so the 2-3x points don't do much. It does have $100 travel allowance and cell phone insurance coverage. It's my only WF card.
I'm leaning towards just closing the card. What does everyone think?
I would keep it , but that's just me,I was able to finely get Wells Fargo propel world amex about 2 months ago,and I've been a banking customer with them for 20 years,it to 45 minutes on the phone with a senior underwriter, to get them to approve me, I was at the branch today to deposit a check and I did not have my debit card with me,so I handed the teller my wells amex and he told me , this was the first time he has ever seen this card, the bank manager came over and told me that it's a very hard card to get approved for and that she was turned down for one lol
@B335is wrote:
I know lhcole has quite a bit of WF love. Hopefully he will chime in at some point. Thank you all for your input so far. Looks like I'll be ditching the card.
HAYYY!
I am one of those rare fans of WF on these boards.
I say keep it, B. WF can be a tough nut to crack and if you already have a product with them I think it will make it easier for future apps (if you want any).
As far as CLIs, I have yet to be turned down for them. All but one was SP. I called in and asked and they assured me SP. The one time they said SP and it wound up being a HP I was able to get the HP removed since the call had been recorded.
Cell insurance is HUGE! I like it for that. And they also offer me special cash back bonuses from time to time when I call in and ask for promos on my card.
Only cons I see is that there are rarely PC options and I have never been given an APR reduction. (So no balance carrying on this card )
@lhcole77 wrote:
@B335is wrote:
I know lhcole has quite a bit of WF love. Hopefully he will chime in at some point. Thank you all for your input so far. Looks like I'll be ditching the card.HAYYY!
I am one of those rare fans of WF on these boards.
I say keep it, B. WF can be a tough nut to crack and if you already have a product with them I think it will make it easier for future apps (if you want any).
As far as CLIs, I have yet to be turned down for them. All but one was SP. I called in and asked and they assured me SP. The one time they said SP and it wound up being a HP I was able to get the HP removed since the call had been recorded.
Cell insurance is HUGE! I like it for that. And they also offer me special cash back bonuses from time to time when I call in and ask for promos on my card.
Only cons I see is that there are rarely PC options and I have never been given an APR reduction. (So no balance carrying on this card )
Which card do you have with WF?
@Kenny wrote:Which card do you have with WF?
WF Cash Back College VISA
(I think I have a special place in my heart for them because they gave me my first CC when others were scared of me. LOL. $600 starting limit with a score in the 500s back in 2011. CL is $10K now)
@lhcole77 wrote:
@Kenny wrote:Which card do you have with WF?
WF Cash Back College VISA
(I think I have a special place in my heart for them because they gave me my first CC when others were scared of me. LOL. $600 starting limit with a score in the 500s back in 2011. CL is $10K now)
That's exactly my position! Except for me it was 2013 instead of 2011. Line was $650 and is now 4K. I really want to get their Signature cash back card at some point though, I don't really want to have the College version forever, but I'm guessing a PC hasn't been possible for you on that one?