topic Re: Wells Fargo Autograph Reconsideration Approval in Credit Card Approvals

Wells Fargo Autograph Reconsideration Approval

aapresna — Sun, 18 Jun 2023 00:23:10 GMT

I applied for the Wells Fargo Autograph card and while I was prequalified, I was denied due to too many inquiries. Three months ago, I was looking at buying a used car. I went to two dealers and had them pull my credit so I could get an accurate estimate of my monthly payments. Although I never did buy a car, it resulted in 12 credit inquiries during a 10 day span. While my FICO score only saw it as 1 inquiry, my actual credit report saw it as 12. The rejection letter said they pulled my credit report from TransUnion and I had a 768 FICO score.

I called Wells Fargo at 1-800-967-9521 and spoke to a customer service rep. I asked for a reconsideration and explained that I didn't take on new credit, I was just shopping around. The rep was very nice, said that the system probably automatically rejected me because I went past their inquiry threshold, and passed my information to a credit underwriter. The next day I was approved with a credit limit of $30,000!

Re: Wells Fargo Autograph Reconsideration Approval

user979797 — Sun, 18 Jun 2023 00:11:03 GMT

Wow great SL and congrats on what turned into a approval

Re: Wells Fargo Autograph Reconsideration Approval

Rdbeetle — Sun, 18 Jun 2023 00:26:30 GMT

Congrats on the approval and $30k SL!!!

Re: Wells Fargo Autograph Reconsideration Approval

BigBS — Sun, 18 Jun 2023 00:34:36 GMT

Wow! That's a nice SL from WF and glad you were able to successfully recon it.

Re: Wells Fargo Autograph Reconsideration Approval

NoMoreDebt — Sun, 18 Jun 2023 00:59:53 GMT

congrats on the approval

Re: Wells Fargo Autograph Reconsideration Approval

gingerflower — Sun, 18 Jun 2023 02:51:34 GMT

Congratulations on your WF autograph reconsderation approval. Nice SL! 👍

Re: Wells Fargo Autograph Reconsideration Approval

CreditAggie — Sun, 18 Jun 2023 06:06:19 GMT

Congratulations on your Wells Fargo Autograph approval!

Re: Wells Fargo Autograph Reconsideration Approval

TheRedHat — Sun, 18 Jun 2023 06:34:32 GMT

Congrats on your approval!

Re: Wells Fargo Autograph Reconsideration Approval

FireMedic1 — Sun, 18 Jun 2023 09:44:52 GMT

Persistance paid off. Congrats!

Re: Wells Fargo Autograph Reconsideration Approval

firefox100 — Sun, 18 Jun 2023 14:53:09 GMT

Congratulations on very nice starting credit limit from Wf on your Autograph credit card. With out naning the the it is nice to see that you can call and do a recon with Wellsfargo about the inquires when it is no fault of person who is looking to be approved for credit card the other bank does not have way to recon it is all AI with them, I rather do business with bank who can real human who take look at credit report say no problem we can over ride computer system and approve credit card with starting limit, Wf should get bad raps. Again congrats and enjoy it have fun.

Re: Wells Fargo Autograph Reconsideration Approval

firefox100 — Sun, 18 Jun 2023 14:57:06 GMT

Corrections, Wf should not get bad raps. With out naming the other bank just trying to say when applying for credit give wf a try, I have an Autograph credit card with 25K limit.

Re: Wells Fargo Autograph Reconsideration Approval

JoeRockhead — Sun, 18 Jun 2023 16:00:24 GMT

Outstanding SL and approval, congratulations!

Re: Wells Fargo Autograph Reconsideration Approval

NoMoreE46 — Sun, 18 Jun 2023 18:56:23 GMT

That's a great SL from any issuer and moreover from WF.

Re: Wells Fargo Autograph Reconsideration Approval

Jccflat — Sun, 18 Jun 2023 22:52:47 GMT

congrats

do u bank with them?

is it your your first WF card ?

Re: Wells Fargo Autograph Reconsideration Approval

alextercero — Mon, 19 Jun 2023 03:44:35 GMT

Congrats on the approval

Re: Wells Fargo Autograph Reconsideration Approval

aapresna — Mon, 19 Jun 2023 03:52:12 GMT

@Jccflat wrote:
congrats
do u bank with them?
is it your your first WF card ?

I don't bank with them and this is my first WF card. This is my first time ever interacting with WF and I was pleasantly surprised with the SL.

Re: Wells Fargo Autograph Reconsideration Approval

M_Smart007 — Mon, 19 Jun 2023 15:17:53 GMT

Congratulations on your Approval 🎉

Re: Wells Fargo Autograph Reconsideration Approval

coreyb80 — Mon, 19 Jun 2023 18:08:52 GMT

Congrats on the strong approval and great work on the recon!

Re: Wells Fargo Autograph Reconsideration Approval

Mones — Wed, 21 Jun 2023 00:06:16 GMT

Great job with the Recon and congrats on the amazing SL!

Re: Wells Fargo Autograph Reconsideration Approval

PointsBonus — Sat, 24 Jun 2023 04:25:29 GMT

@aapresna congrats on ur success!! 1. Question. Was it an immediate denial or was it "we need to verify more information" screen and then a letter in the mail ?

I applied today after a prequal with solid APR and got the verification screen