topic Re: Wells Fargo approval???? in Credit Card Approvals

Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 00:23:57 GMT

Applied last week for CITI Simplicity, Ebates, Total Rewards Visa, Huntington, and Wells Fargo. Citi and Ebates flat out denials. Total Rewards Visa denied due to cold CRA. Huntington approved by don't know limit. That leaves Wells Fargo which I applied for on March 20, 2014. Having issues with this application. When I called on March 21, 2014 to check status, I was told that they needed a copy of my SSN. I faxed it in, but they couldn't read it. Called today to see status since I faxed another copy in this morning. CSR said underwriting noted the application that they couldn't read the new copy either. I asked if I could overnight a copy and was told yes. I got to thinking to ask if my application had actually been reviewed. The CSR said that underwriting reviewed the application on March 21, 2014 (the next day after I applied) and all they needed based on the notes was a copy of my SSN. She then said I can't tell you whether it will be approved or not. I didn't ask this but I guess it appeared that this is what I was asking. I was basically wanting to know if they had reviewed the credit file or just stopped at the SSN. Does anyone have any experience with Wells Fargo in this area? Does it sound like they just reviewed the personal information (i.e. name, address, SSN, etc...) and stopped at SSN or reviewed everything and determined they need to verify SSN before making a decision? I'm not asking whether or not I was approved because no one knows but Wells Fargo, but I am requesting if anyone has had any similar experiences.

Re: Wells Fargo approval????

Anonymous — Tue, 25 Mar 2014 00:26:54 GMT

Fingers crossed!

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 00:30:07 GMT

@Anonymous wrote:
Fingers crossed!

Thank you. I'm hoping that the two app's, if approved, will put me at/over the six figures mark. I only need another $7,100 to go. So close,yet so far.

Re: Wells Fargo approval????

dodgerslv — Tue, 25 Mar 2014 00:33:10 GMT

hope you get approved 12! do you have strong banking relationship with WF? they seem to consider that alot when it comes to handing out limits on their cards. Here is to a nice starting limit!!!!...:-)

Re: Wells Fargo approval????

-Wade- — Tue, 25 Mar 2014 00:36:09 GMT

@12njoy wrote:
Applied last week for CITI Simplicity, Ebates, Total Rewards Visa, Huntington, and Wells Fargo. Citi and Ebates flat out denials. Total Rewards Visa denied due to cold CRA. Huntington approved by don't know limit. That leaves Wells Fargo which I applied for on March 20, 2014. Having issues with this application. When I called on March 21, 2014 to check status, I was told that they needed a copy of my SSN. I faxed it in, but they couldn't read it. Called today to see status since I faxed another copy in this morning. CSR said underwriting noted the application that they couldn't read the new copy either. I asked if I could overnight a copy and was told yes. I got to thinking to ask if my application had actually been reviewed. The CSR said that underwriting reviewed the application on March 21, 2014 (the next day after I applied) and all they needed based on the notes was a copy of my SSN. She then said I can't tell you whether it will be approved or not. I didn't ask this but I guess it appeared that this is what I was asking. I was basically wanting to know if they had reviewed the credit file or just stopped at the SSN. Does anyone have any experience with Wells Fargo in this area? Does it sound like they just reviewed the personal information (i.e. name, address, SSN, etc...) and stopped at SSN or reviewed everything and determined they need to verify SSN before making a decision? I'm not asking whether or not I was approved because no one knows but Wells Fargo, but I am requesting if anyone has had any similar experiences.

wishing you all the best !!!!

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 00:37:31 GMT

@dodgerslv wrote:
hope you get approved 12! do you have strong banking relationship with WF? they seem to consider that alot when it comes to handing out limits on their cards. Here is to a nice starting limit!!!!...:-)

Thanks. I just opened up an account with Wells Fargo. I got the idea from Fidelity which I forgot to include in my approval data from last week. I opened up a Fidelity account and immediately applied for their Amex card and got approved. I also was hoping that my short Amex history would help with Wells Fargo since the two companie have similar foundings. May be way off base on this last statement.

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 00:38:46 GMT

@Wade64 wrote:
@12njoy wrote:
Applied last week for CITI Simplicity, Ebates, Total Rewards Visa, Huntington, and Wells Fargo. Citi and Ebates flat out denials. Total Rewards Visa denied due to cold CRA. Huntington approved by don't know limit. That leaves Wells Fargo which I applied for on March 20, 2014. Having issues with this application. When I called on March 21, 2014 to check status, I was told that they needed a copy of my SSN. I faxed it in, but they couldn't read it. Called today to see status since I faxed another copy in this morning. CSR said underwriting noted the application that they couldn't read the new copy either. I asked if I could overnight a copy and was told yes. I got to thinking to ask if my application had actually been reviewed. The CSR said that underwriting reviewed the application on March 21, 2014 (the next day after I applied) and all they needed based on the notes was a copy of my SSN. She then said I can't tell you whether it will be approved or not. I didn't ask this but I guess it appeared that this is what I was asking. I was basically wanting to know if they had reviewed the credit file or just stopped at the SSN. Does anyone have any experience with Wells Fargo in this area? Does it sound like they just reviewed the personal information (i.e. name, address, SSN, etc...) and stopped at SSN or reviewed everything and determined they need to verify SSN before making a decision? I'm not asking whether or not I was approved because no one knows but Wells Fargo, but I am requesting if anyone has had any similar experiences.
wishing you all the best !!!!

Thanks. You'll are so very helpful and supportive!

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 23:15:01 GMT

Callled Wells Fargo today and we're still playing tag with my social security card. Anyways, I asked if underwriting had actually reviewed my application and I was told yes and that underwriter was just waiting on social security card to verify social security number listed on credit report. This really sounds like an approval but I'm trying not to get excited as this is the last thing I have out there. It's time to go in the garden, seriously!

Re: Wells Fargo approval????

gdale6 — Tue, 25 Mar 2014 23:22:55 GMT

@12njoy wrote:
Callled Wells Fargo today and we're still playing tag with my social security card. Anyways, I asked if underwriting had actually reviewed my application and I was told yes and that underwriter was just waiting on social security card to verify social security number listed on credit report. This really sounds like an approval but I'm trying not to get excited as this is the last thing I have out there. It's time to go in the garden, seriously!

If you have an account with WF just go to the branch manager for help. WF is funny Ron1 was recently denied by WF for one reason, not having any other relationship with them. Good luck on the app

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 23:26:30 GMT

@gdale6 wrote:
@12njoy wrote:
Callled Wells Fargo today and we're still playing tag with my social security card. Anyways, I asked if underwriting had actually reviewed my application and I was told yes and that underwriter was just waiting on social security card to verify social security number listed on credit report. This really sounds like an approval but I'm trying not to get excited as this is the last thing I have out there. It's time to go in the garden, seriously!
If you have an account with WF just go to the branch manager for help. WF is funny Ron1 was recently denied by WF for one reason, not having any other relationship with them. Good luck on the app

Thanks. Unfortunately, the nearest branch is 60 miles away according to Wells Fargo. I opened up a checking account with them right before I applied for the card. I just received my Wells Fargo welcome packet in the mail today. Geez, I thought I just purchased a car again. There was so much information and booklets in that packet

Re: Wells Fargo approval????

dodgerslv — Tue, 25 Mar 2014 23:28:29 GMT

@12njoy wrote:
@gdale6 wrote:
@12njoy wrote:
Callled Wells Fargo today and we're still playing tag with my social security card. Anyways, I asked if underwriting had actually reviewed my application and I was told yes and that underwriter was just waiting on social security card to verify social security number listed on credit report. This really sounds like an approval but I'm trying not to get excited as this is the last thing I have out there. It's time to go in the garden, seriously!
If you have an account with WF just go to the branch manager for help. WF is funny Ron1 was recently denied by WF for one reason, not having any other relationship with them. Good luck on the app
Thanks. Unfortunately, the nearest branch is 60 miles away according to Wells Fargo. I opened up a checking account with them right before I applied for the card. I just received my Wells Fargo welcome packet in the mail today. Geez, I thought I just purchased a car again. There was so much information and booklets in that packet

did you open the account online then?...that could be why there is a delay on the credit application. I remember when i opened a secon account with WF online they had to call me back to verify my identity.

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 23:31:32 GMT

@dodgerslv wrote:

did you open the account online then?...that could be why there is a delay on the credit application. I remember when i opened a secon account with WF online they had to call me back to verify my identity.

Yes I opened it up on line and then 30 minutes later applied for card. The csr did say today that the underwriter manually reviewed my credit application. All this hassle and I should be getting a card (hopefully anyway)

Re: Wells Fargo approval????

Ron1 — Tue, 25 Mar 2014 23:47:17 GMT

Yes, I was denied due to the lack of the relationship. You need to have a checking or savings. They didn't even reconsider my apps. I don't know my Kirklands credit card will help to get approved for WF Visa after six months or a year.

Ron.

Re: Wells Fargo approval????

12njoy — Tue, 25 Mar 2014 23:52:55 GMT

@Ron1 wrote:
Yes, I was denied due to the lack of the relationship. You need to have a checking or savings. They didn't even reconsider my apps. I don't know my Kirklands credit card will help to get approved for WF Visa after six months or a year.

Ron.

I just called WF and they have received social security card. This time the csr said it would be assigned to an underwriter with a decision in 1-2 days. Apparently, I can throw all the prior conversations with WF out the window because they are now saying that application will be assigned to an underwriter whereas I had previously been told that it had been manually reviewed. This ship is sinking fast

Re: Wells Fargo approval????

Ron1 — Wed, 26 Mar 2014 00:02:11 GMT

@12njoy wrote:
@Ron1 wrote:
Yes, I was denied due to the lack of the relationship. You need to have a checking or savings. They didn't even reconsider my apps. I don't know my Kirklands credit card will help to get approved for WF Visa after six months or a year.

Ron.
I just called WF and they have received social security card. This time the csr said it would be assigned to an underwriter with a decision in 1-2 days. Apparently, I can throw all the prior conversations with WF out the window because they are now saying that application will be assigned to an underwriter whereas I had previously been told that it had been manually reviewed. This ship is sinking fast

I am glad they took your application. They didn't even consider my application. They kept telling me to open a savings account. I just didn't want to tie up my funds over there. I already got a lot of bank accounts. I am keeping my fingers across for you. I think you would get approved.

Ron.

Re: Wells Fargo approval????

12njoy — Wed, 26 Mar 2014 00:07:33 GMT

@Ron1 wrote:
@12njoy wrote:
@Ron1 wrote:
Yes, I was denied due to the lack of the relationship. You need to have a checking or savings. They didn't even reconsider my apps. I don't know my Kirklands credit card will help to get approved for WF Visa after six months or a year.

Ron.
I just called WF and they have received social security card. This time the csr said it would be assigned to an underwriter with a decision in 1-2 days. Apparently, I can throw all the prior conversations with WF out the window because they are now saying that application will be assigned to an underwriter whereas I had previously been told that it had been manually reviewed. This ship is sinking fast
I am glad they took your application. They didn't even consider my application. They kept telling me to open a savings account. I just didn't want to tie up my funds over there. I already got a lot of bank accounts. I am keeping my fingers across for you. I think you would get approved.

Thanks Ron. This is the last one in the pipeline. I'll definitely post back once I receive word.

Re: Wells Fargo approval????

Anonymous — Wed, 26 Mar 2014 00:09:33 GMT

I had a similar situation with wf recently they needed to verify my in come after verification was approved they also gave me the run around on weather I was approved or not but one guy said yes if there asking for verification they have done everything else

Re: Wells Fargo approval????

Ron1 — Wed, 26 Mar 2014 00:10:23 GMT

@12njoy wrote:
@Ron1 wrote:
@12njoy wrote:
@Ron1 wrote:
Yes, I was denied due to the lack of the relationship. You need to have a checking or savings. They didn't even reconsider my apps. I don't know my Kirklands credit card will help to get approved for WF Visa after six months or a year.

Ron.
I just called WF and they have received social security card. This time the csr said it would be assigned to an underwriter with a decision in 1-2 days. Apparently, I can throw all the prior conversations with WF out the window because they are now saying that application will be assigned to an underwriter whereas I had previously been told that it had been manually reviewed. This ship is sinking fast
I am glad they took your application. They didn't even consider my application. They kept telling me to open a savings account. I just didn't want to tie up my funds over there. I already got a lot of bank accounts. I am keeping my fingers across for you. I think you would get approved.

Thanks Ron. This is the last one in the pipeline. I'll definitely post back once I receive word.

I am looking forward to hear your good news.

Ron.

Re: Wells Fargo approval????

12njoy — Wed, 26 Mar 2014 00:12:49 GMT

@Anonymous wrote:
I had a similar situation with wf recently they needed to verify my in come after verification was approved they also gave me the run around on weather I was approved or not but one guy said yes if there asking for verification they have done everything else

Let's hope so because that would be a waste of their time and mine just to be denied.

Re: Wells Fargo approval????

12njoy — Wed, 26 Mar 2014 00:13:37 GMT

@Ron1 wrote:
@12njoy wrote:
@Ron1 wrote:
@12njoy wrote:
@Ron1 wrote:
Yes, I was denied due to the lack of the relationship. You need to have a checking or savings. They didn't even reconsider my apps. I don't know my Kirklands credit card will help to get approved for WF Visa after six months or a year.

Ron.
I just called WF and they have received social security card. This time the csr said it would be assigned to an underwriter with a decision in 1-2 days. Apparently, I can throw all the prior conversations with WF out the window because they are now saying that application will be assigned to an underwriter whereas I had previously been told that it had been manually reviewed. This ship is sinking fast
I am glad they took your application. They didn't even consider my application. They kept telling me to open a savings account. I just didn't want to tie up my funds over there. I already got a lot of bank accounts. I am keeping my fingers across for you. I think you would get approved.

Thanks Ron. This is the last one in the pipeline. I'll definitely post back once I receive word.
I am looking forward to hear your good news.

Ron.

Thanks for the support Ron