topic Propel Approval odds? in Credit Card Applications

Propel Approval odds?

Anonymous — Wed, 22 Aug 2018 19:22:08 GMT

Hello,

Was wondering if anyone thinks I'm likely to be approved for a Wells Fargo Propel. Sort of new to the credit card World. Opened a TD Bank Cash Card in May, and a Capital One Venture in June. Denied for Amazon Chase Visa and Sapphire Preferred prior to that. Credit Karma says all my scores are sitting right around 700. All payments on time, but have a mass of student loans from Law School. Those payments have been made consistently for the last two years. Thanks for your reply.

Re: Propel Approval odds?

Pikaboo-icu — Wed, 22 Aug 2018 19:31:54 GMT

Welcome to My Fico

Honestly, people will be able to offer advice a lot more accurately if you get your real Fico scores..

The CK scores are not Fico and they're not the scores cc's use to determine eligibility. Income and uti/over-all card limits & balances, number of inquiries will also be important.

CHEERS

Re: Propel Approval odds?

Anonymous — Wed, 22 Aug 2018 19:33:23 GMT

Hello,

I'll consider getting Fico scores. Right now, $15,000 credit limit, income around $50k, and utilization at 7% or so.

Re: Propel Approval odds?

Pikaboo-icu — Wed, 22 Aug 2018 19:39:17 GMT

Those stats look good..

There's a trial site where you can get them for $1 and then just cancel before they bill you.

I don't know it but somebody should post soon that does.. If I find it, I'll edit & add the site name/link

Good Luck!!

Re: Propel Approval odds?

SweetCreditObsession — Wed, 22 Aug 2018 19:43:45 GMT

Welcome to the forums. If you visit Credit Check Total's website, you can get your Ficos for $1. Be sure to cancel by phone within the 7 day trial period.

Best wishes!

Re: Propel Approval odds?

Manonfire — Wed, 22 Aug 2018 19:58:49 GMT

@Anonymous wrote:
Hello,

Was wondering if anyone thinks I'm likely to be approved for a Wells Fargo Propel. Sort of new to the credit card World. Opened a TD Bank Cash Card in May, and a Capital One Venture in June. Denied for Amazon Chase Visa and Sapphire Preferred prior to that. Credit Karma says all my scores are sitting right around 700. All payments on time, but have a mass of student loans from Law School. Those payments have been made consistently for the last two years. Thanks for your reply.

Just a heads up. There is an understanding that having a relationship with Wells Fargo will assist in credit app approvals. You may want to consider opening a checking account with them.

Re: Propel Approval odds?

FinStar — Wed, 22 Aug 2018 21:06:10 GMT

OP, aside from the student loans, are those the only 2 revolving tradelines that you have?

Re: Propel Approval odds?

Anonymous — Wed, 22 Aug 2018 22:14:03 GMT

Hello,
Those are the only other lines of credit I have. I sort of realized it was becoming time to build credit and get rewards for spending at the same time. So yeah, just recently opened, only a few months old.

Re: Propel Approval odds?

FinStar — Wed, 22 Aug 2018 22:28:26 GMT

The only thing that comes to mind that may decrease the odds is your fairly short history with your other CCs.

Maybe others who've been approved with similar stats can chime in.

Re: Propel Approval odds?

Shooting-For-800 — Fri, 24 Aug 2018 15:47:13 GMT

I just got approved with Fico average around 740.

No prior relationship with Wells Fargo.

BK 5 years ago.

Propel is one of my lowest limits but I PIF anyway so we will see if it grows.

If I remember correctly, I had to list my income not household income.

GL!

Re: Propel Approval odds?

Anonymous — Fri, 26 Oct 2018 01:45:26 GMT

If I have a checking & savings with WF, a VISA card since 2014 at the start of rebuild, a recently opened business account with WF. Should I go to banker in person to apply, or just apply online? Business account is two months old. Will they know all this if I apply online? My scores are around 715-750, depending on bureau.