topic WF Approved after BK7 and Bread Rewards! in Credit Card Approvals

WF Approved after BK7 and Bread Rewards!

Waldemar — Wed, 14 Aug 2024 21:44:14 GMT

In 2021, during my Chapter 7 bankruptcy, I burned Wells Fargo (WF) for about $2,700. I had previously tried applying for a credit card with them but was declined. Recently, I noticed they launched a new credit card with perks I was interested in, so I decided to try their pre-approval tool. After a few weeks of consideration, I went for it and was approved! I'm excited to be back with Wells Fargo and look forward to this second chance. I received a decent starting credit line, and while the rate isn't great, I pay my balances in full monthly, so no worries. I also applied for my second Bread card, as I already have their 2% card option. WF pulled from Experian only, and while Bread Financial hasn't pulled anything yet, I expect the hard inquiry will show up within the next few days.

Re: WF Approved after BK7 and Bread Rewards!

MissLiz — Wed, 14 Aug 2024 22:14:46 GMT

Congratulations on your awesome approval and getting back with Wells!

Re: WF Approved after BK7 and Bread Rewards!

keekers — Wed, 14 Aug 2024 22:23:07 GMT

Congrats.

Re: WF Approved after BK7 and Bread Rewards!

NoMoreDebt — Thu, 15 Aug 2024 00:35:23 GMT

Congrats

Re: WF Approved after BK7 and Bread Rewards!

UH_HUH — Thu, 15 Aug 2024 17:09:23 GMT

Congratulations on starting your new relationship with Wells Fargo again @Waldemar

And for the Key card approval.

Nice limit from them. And congrats on your Bread approval.

I've been with Wells as my secondary bank awhile and I believe they informed me my Hotels.com card was going to turn into a Key Card at some point. Will have to look into that more but enjoy your new card,

Cheers

Re: WF Approved after BK7 and Bread Rewards!

gingerflower — Thu, 15 Aug 2024 17:32:02 GMT

Congratulations on your approvals.

Re: WF Approved after BK7 and Bread Rewards!

cashorcharge — Thu, 15 Aug 2024 23:01:25 GMT

That’s Terrific!! Congratulations on your Approvals!!👏🏼🍾🥂

Re: WF Approved after BK7 and Bread Rewards!

CreditAggie — Sun, 18 Aug 2024 19:51:53 GMT

Congratulations on your approvals!

Re: WF Approved after BK7 and Bread Rewards!

LADave — Wed, 21 Aug 2024 01:21:29 GMT

Congratulations @Waldemar on your approvals, and especially on getting back in with Wells with a rock-solid approval after they were included in your BK. That's quite an accomplishment!

You mentioned doing their pre-approval page. Did they give you a pre-approval? I've never had success with that page, although they've given me 3 cards - so the bank seems to like me more than the pre-approval tool does.

Re: WF Approved after BK7 and Bread Rewards!

Waldemar — Wed, 21 Aug 2024 01:29:07 GMT

Through the WF page, I didn't get any results either. However, I checked for their new "One Key Card" via the Expedia website, where I did get pre-approved then I went for it. https://www.expedia.com/one-key-cards

Re: WF Approved after BK7 and Bread Rewards!

Relatxbles — Thu, 22 Aug 2024 15:30:51 GMT

Wow, didn't take that long! Nice wins! Enjoy the new cards.

Re: WF Approved after BK7 and Bread Rewards!

Waldemar — Thu, 05 Sep 2024 02:22:37 GMT

As of 9/3/2024, no hard inquiry has been made for the Bread Rewards AmEx credit card since approved on 8/14/2024, and it is already reporting to Equifax and Transunion! So, I am confident to assume I was approved just on a soft inquiry.