Established Member
Posts: 63
Registered: ‎10-18-2010
Can I complain about Wells Fargo for a minute?

I am so irritated with Wells Fargo. DH has had a visa card with WF for 3.5 years now with a $1,500 limit. DH has NO debt, except that we just got a mortgage (that hasn't hit the credit report yet), and his scores are ALL above 800 (pulled by morgage company) with no negatives. DH has one other Visa card, and is an AU on my AMEX (which has a 0 balance). DH called for a credit limit increase (the first time he has ever made this request), because he uses his card a lot for business, and WF told him they would only increase the limit to $2,300. $800 increase?! No debt other than a mortage, an 800+ credit rating and only an $800 CL increase? Is this the way of the credit world?

Frequent Contributor
Posts: 250
Registered: ‎01-18-2009
Re: Can I complain about Wells Fargo for a minute?

Time to look for a better creditor.

What's in your wallet?
-Not Capital One.
Valued Member
Posts: 32
Registered: ‎08-18-2008
Re: Can I complain about Wells Fargo for a minute?
[ Edited ]

tengtengvn wrote:

Time to look for a better creditor.

I agree. I am not too experienced here, but I have not heard of many members with big CLs from Wells Fargo. Many banks are being very conservative with CLs and CLI requests. I would definitely advise your husband to look into Citi, Chase or AMEX if he wants to deal with better companies that are known for being generous to their good customers.

Frequent Contributor
Posts: 252
Registered: ‎06-08-2009
Re: Can I complain about Wells Fargo for a minute?

Yep-that's Wells Fargo for ya-just do what I did-sock drawer the WF Visa(OK- I have a $5.99 monthly subscription auto charged)-take your 800 credit score and 0 debt and get a REAL CC w/ a REAL limit that you deserve-AMEX,CHASE,CITIBANK  all over 10k NFCU,PEN FED over 20k.

Amex Platinum Charge(NPSL); Starwood Amex Preferred CC(20K CL); Diners Club ELITE MC(20K);Diners Club Premier MC(20K,could've sworn the rep said 25k, oh well lol);Delta Amex Reserve CC(21K CL); Amex PRG Charge(NPSL); United Presidential Plus Chase World Elite MC (15K CL); AARP Chase Visa Signature(35K CL); NFCU Visa Platinum(20K CL) NFCU LOC(15K); NFCU Go Rewards MC(17.5K); Disover IT 7.8K;
First Tech Federal Visa Platinum(15K CL); Simmons First Visa Platinum(9K CL); Wells Fargo Visa Platinum(7.5K CL); CitiBank Sears MC(6K CL); JCPenney Card(7.5K CL); Lowes(2.5K CL);Barclays Mile & More Lufthansa 12.5K.
New Contributor
Posts: 61
Registered: ‎07-09-2011
Re: Can I complain about Wells Fargo for a minute?

I'm in the exact same position you are. I've had my WF Plat. Visa for 5 years. It was my very first card and I called for a CLI 2 months ago. They gave me a $600 CLI after being a loyal customer for 5 years! I sockdrawered them awhile ago because WF does not show their clients that they appreciate their business and they obviously do not show that they want to grow with you.


I moved over to Chase at the beginning of this year and my relationship with them has been phenomenal! They take care of all my deposit account needs and have been great on the credit side as well with my loans and lines. In fact, I just got a $1000 CLI on my Freedom about that? Rewarding your customers for bringing their business to you.


Definitely think about what the above folks have said about having a card with Chase, Amex, or Citi...and sockdrawer won't regret it.

Wells Fargo Platinum Visa 05/2007 $1800 CL ----- AMEX Blue Cash Everyday 05/2008 $8500 CL ----- Best Buy CC 10/2010 $2500 CL ----- Chase Freedom Visa 01/2011 $3000 CL ----- Chase Southwest Rapid Rewards Visa Signature 07/2011 $5000 CL
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
Re: Can I complain about Wells Fargo for a minute?

They are increasing their fees and reducing benefits on their checking/savings accounts as well.

Established Contributor
Posts: 620
Registered: ‎05-09-2009
Re: Can I complain about Wells Fargo for a minute?

Wells services my mortgage, and keep soliciting me for the Home Rebate Visa. I've heard they are super conservative, so i'll pass.  As others above have said, go with another lender. He shouldn't have any problem getting a card with good rewards and credit lines.

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Established Member
Posts: 63
Registered: ‎10-18-2010
Re: Can I complain about Wells Fargo for a minute?


You all are right. We need to move on from WF. I was just hoping to wait a year or so (since we just got a mortgage) before DH applied for more credit. As an aside, just the other day- out of the blue- I got an email from AMEX telling me that they are raising my limit on my Optima from $19K to $23K.

Valued Contributor
Posts: 1,361
Registered: ‎02-07-2010
Re: Can I complain about Wells Fargo for a minute?

i opened my wells fargo in august of 2006. it is my oldest open major credit card. i started out at 3000. i have received two cli's from that i have requested from them. the first one was septmember 2010. they gave me a 900 dollar increase. i asked the csr that granted me the increase if this was average or above average. she told me my credit increase approval was actually above average. then i requested an increase again in april 2011, and they once again granted my increase by 1200 which was way above average to 5100 where it is now obviously. i enjoy having this account as they have allowed me to use it through bill pay as if it were a bank line of credit rather than a credit card. i can cut someone a check up to my full credit line and i am only charged purchase interest the moment the check is mailed.


they have also recommended (pre approved) me for an actual line of credit. but i am hesitant because i want my credit file to improve first allowing accounts to mature a little and most of all allow for inquiries to drop first. second of all, their offer i believe may include a 25 dollar annual fee. the interest rate i believe may be between 8.5 to 10.5 percent apr.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990) score 798 (300 - 850) TU transrisk 772
card line up here:
Frequent Contributor
Posts: 321
Registered: ‎10-25-2009
Re: Can I complain about Wells Fargo for a minute?

I've had a Wells Visa for about 1.5 years. Limit started out at $4,500. It's gotten two CLIs, both $700 a piece. 


So now it awkwardly sits at $5,900. 


I only got it because a girl I was "seeing" at the time worked at Wells... She ditched me for a teller at her branch, and all I got was this lousy Wells Fargo credit card. Smiley Indifferent

Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.