Credit Cards

[tay0thman]

I'm a new Immigrant to the states...20 minutes ago I got a graduation letter in mail , and I'd like to share my info...

Unemployed

31/Dec / 2010 .... Applied for WF secured Card...500$ CL ***Employment status set by banker to "Student"

10/Jan/2011  ...... Recieved Denial Letter.

13/Jan/2011 .......Recieved Acceptance Letter..

01/Feb/2011........Visa account created after 2 days , 500$ deducted from checking

15/Feb/2011........Card Recieved in Mail , Activated instantly

18/Feb/2011........Recieved the 1st Statement

08/Feb/2011........Got a Job!!!

June / 2011 ..... Increased My CL to 2000$ ...by depositing more money to the sucured account..

August/2011.......Increased My CL to 3000$.....By depositing more

Nov/2011...I was pre-approved to Cap1 no hassle cash back .... open it with 2K CK

Feb/2012.......2nd Annual Fee Deducted

Mar/2012.......Increased CL to 10K......by depositing more Cash

04/May/2012 ....Got  Graduation Letter....

*******I'll Update this post once I gen more info*************

Thanks

[Brusilov]

Congrats !!! I'm still waiting on mine...

[klorics3]

Congrats! I got my graduation letter in the mail also, I called CS to accept the offer. Card should arrive within 10-14 days. Let me know  how yours goes!

[Brusilov]

Just curious but for both of you did you use the card regularly?   Make small purchases occasionally or anything special?

I've had mine for about 3.5 years....no joke...and nothing.    I have a Netflix subscription that I put on it and pay off every month...and that's about it.  Maybe they're bitter at me for switching my checking & savings to NFCU.  

My plan I guess is to wait 1 more year (all the baddies on my report are falling off Dec/Jan) and if they don't unsecure by then I'm done with WF.  I'm just really hesitant because it's my oldest open tradeline.

[Crashem]

I noticed that in Wf secured examples, they increased the credit lines via deposits.

[tayOthman]

Yes....I'm using Regularly....Keeping Utilization ratio less than 10%.....only Last october statement the ballance was 0 during the billing cycle closeout..

[tayOthman]

@klorics3

I didn't get an offer to respond....just graduation letters says that I'll get my new card in 45 Days..

BTW...no Hard Pull was done , I'll check from which bureau they soft pull...

[Brusilov]

Strange thing is WF "teased" me with 2 small unsecured increases on the card but nothing after that.  I was using the card pretty heavily back then, though.

[tayOthman]

In my situation WF never did AutoCLI on my account....I have to do it by my self..

[Brusilov]

Do you have checking through WF?