topic Re: Wells Fargo Cash Wise in Credit Card Approvals

Wells Fargo Cash Wise

Dalmus — Thu, 21 Sep 2017 18:10:51 GMT

I got a preapproval for this card in the mail about two months ago with a solid APR. I initially asked around about it and I decided that I didn't need it, as it was basically the same as my QuickSilver. Fast forward to a few weeks ago, and I had a change of heart after a couple of large expenses (vet bill and car repair bill). Yes, I could have paid cash for these, but I figured a 0% balance transfer rate would be appealing.

I applied online, and got the "We need to verify some of your information before we make a credit decision," screen. I figured I would get a request for my tax records or some such, but I never did. About a week later, a new card showed up in the mail with an $11,000 SL. What's more interesting is that instead of the 12 month 0% BT offer, I actually got 15 months. No mention of the $200 spend bonus that I see online now, but it wasn't mentioned in the mailer I responded to, so that's my fault I guess!

The only odd thing is that with an $11K SL, I would have assumed it would be a Visa Signature, but its not.

On the plus side, the starting limit increases my available credit, so I can get rid of my $1K Cabela's Visa that hasn't grown for three years, and two or three of my Commenity SCT cards I got.

Re: Wells Fargo Cash Wise

MissMoni223 — Thu, 21 Sep 2017 18:19:44 GMT

Way to go, CONGRATS!!!

Re: Wells Fargo Cash Wise

Meanmchine — Thu, 21 Sep 2017 18:34:43 GMT

Out with the small and in with the big. Something like that

Re: Wells Fargo Cash Wise

BronzeTrader — Thu, 21 Sep 2017 20:40:08 GMT

Congrats!

Re: Wells Fargo Cash Wise

Anonymous — Thu, 21 Sep 2017 21:34:17 GMT

Congrats! My DW has one. She got it last week with a $22000 credit line. $200 after 1k spend and 0% 12 months purchases and BT's.

Re: Wells Fargo Cash Wise

rprisco — Fri, 22 Sep 2017 13:59:41 GMT

I'd hang on to cabelas they are switching over to capital one sometime very soon and maybe you'll fair better for a cli. I have no idea when cap1 is taking over, but it should be Oct or Nov I think (3rd qtr).

Re: Wells Fargo Cash Wise

Anonymous — Sat, 23 Sep 2017 03:48:58 GMT

@Dalmus wrote:
I got a preapproval for this card in the mail about two months ago with a solid APR. I initially asked around about it and I decided that I didn't need it, as it was basically the same as my QuickSilver. Fast forward to a few weeks ago, and I had a change of heart after a couple of large expenses (vet bill and car repair bill). Yes, I could have paid cash for these, but I figured a 0% balance transfer rate would be appealing.

I applied online, and got the "We need to verify some of your information before we make a credit decision," screen. I figured I would get a request for my tax records or some such, but I never did. About a week later, a new card showed up in the mail with an $11,000 SL. What's more interesting is that instead of the 12 month 0% BT offer, I actually got 15 months. No mention of the $200 spend bonus that I see online now, but it wasn't mentioned in the mailer I responded to, so that's my fault I guess!

The only odd thing is that with an $11K SL, I would have assumed it would be a Visa Signature, but its not.

On the plus side, the starting limit increases my available credit, so I can get rid of my $1K Cabela's Visa that hasn't grown for three years, and two or three of my Commenity SCT cards I got.

Do you have any other account with WF prior to this application? I am thinking to apply for this card but I closed my WF checking almost 18 months ago

Re: Wells Fargo Cash Wise

Dalmus — Sat, 23 Sep 2017 04:47:01 GMT

I have no deposit accounts, but my auto loan is through WF.