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Wells Fargo Visa Pre-qualified Letter

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Anonymous
Not applicable

Re: Wells Fargo Visa Pre-qualified Letter


@BackInTheSaddleAgain wrote:

Thanks everyone. I knew WF didn't offer much in the way of rewards. I am just looking to shore up my profile a little with a couple of more cards. I have limited options because of my BK, so receiving a pre-qual from a major bank was enticing. I actually think it's my first one in almost a decade. Smiley Wink


Go to Chase, with they prequal you for anything?  Maybe the Slate?

Message 11 of 17
Anonymous
Not applicable

Re: Wells Fargo Visa Pre-qualified Letter


@BackInTheSaddleAgain wrote:

@Anonymous wrote:

Hey, where did your Cabelas Visa card go?  SD?


Was that question for me MBSS? I never applied. Got scared off because of all the talk on here about how they are no longer BK friendly.


No, it was for:

tricky dick nixon

Message 12 of 17
Anonymous
Not applicable

Re: Wells Fargo Visa Pre-qualified Letter

Heheh.
Message 13 of 17
chalupaman
Super Contributor

Re: Wells Fargo Visa Pre-qualified Letter

I think you're better off throwing those in the trash. I don't think they are worth a HP.

 

There's hardly anything of worth WF has to offer IMO in terms of their credit cards.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 14 of 17
BackInTheSaddleAgain
Regular Contributor

Re: Wells Fargo Visa Pre-qualified Letter


@chalupaman wrote:

I think you're better off throwing those in the trash. I don't think they are worth a HP.

 

There's hardly anything of worth WF has to offer IMO in terms of their credit cards.


Much appreciated to you and the others. Seems like trash is the best option. I do need another BK friendly good card so if anyone has any ideas, please let me know. 


Current Score: EX: 718, EQ: 715, TU: 720
Goal Score: EX: 750, EQ: 750, TU: 750

Take the myFICO Fitness Challenge
Message 15 of 17
longtimelurker
Epic Contributor

Re: Wells Fargo Visa Pre-qualified Letter


@mongstradamus wrote:

@Anonymous wrote:

Vegan is gonna tell you to get in tight with Wells Fargo hahah.

 

I say pass on this lender til they offer some sexier cards.  Maybe a dude on a stagecoach wielding a shotgun and they can call it "Shotgun Rewards"  5% cashback everywhere you shop within a 10 miles radius of a gun store.

 

shotgun hillbilly


i don't know if they still have 5% for 6 months on gas groceries and drugstore, you can abuse the heck out of that card and drop it after 6 months i guess . 


They do, but next month the new T&Cs say no rewards on store gift cards.   No idea how they can implement that though

Message 16 of 17
Creditaddict
Legendary Contributor

Re: Wells Fargo Visa Pre-qualified Letter

this letter means NOTHING from Wells Fargo. SHRED IT!

Message 17 of 17
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