topic Re: Requesting a CLI from Wells Fargo Propel in Credit Card Applications

Requesting a CLI from Wells Fargo Propel

Wavester64 — Fri, 20 Mar 2020 15:15:07 GMT

Curious how difficult is it to request a CLI from them?

Got the card almost 2 months ago - used it alot since.

Not seeing anywhere online to request the CLI.

Do they do a HP for a CLI?

Re: Requesting a CLI from Wells Fargo Propel

OthTielo — Fri, 20 Mar 2020 15:22:21 GMT

You can call the number on your card and ask for a soft pull CLI. If no soft pull CLI is available they will let you know and offer a hard pull. At this point you can refuse the hard pull.

Re: Requesting a CLI from Wells Fargo Propel

Wavester64 — Fri, 20 Mar 2020 15:26:12 GMT

@OthTielo wrote:
You can call the number on your card and ask for a soft pull CLI. If no soft pull CLI is available they will let you know and offer a hard pull. At this point you can refuse the hard pull.

Thanks @OthTielo

Re: Requesting a CLI from Wells Fargo Propel

Anonymous — Fri, 20 Mar 2020 15:54:16 GMT

@Wavester64 wrote:
Curious how difficult is it to request a CLI ...

I had SP success on both WF cards recently, including a Propel. Details here. Good luck.

Re: Requesting a CLI from Wells Fargo Propel

Anonymous — Fri, 20 Mar 2020 15:57:19 GMT

Calling is the way to do it.

Be prepared to be asked how much. When its electronically submitted, if the CSR tells you immediately, your good (for your requested amount or counter amount). If you hear that they have to send to UW, then its a crapshoot.

Re: Requesting a CLI from Wells Fargo Propel

Wavester64 — Fri, 20 Mar 2020 16:03:30 GMT

@Anonymous wrote:
@Wavester64 wrote:
Curious how difficult is it to request a CLI ...
I had SP success on both WF cards recently, including a Propel. Details here. Good luck.

Thanks James. I wonder with me being so new to the card (~2-months) if they would consider me
for a CLI. We'll see, maybe I'll buzz and try...

Re: Requesting a CLI from Wells Fargo Propel

Anonymous — Fri, 20 Mar 2020 16:05:01 GMT

@Wavester64 wrote:
@Anonymous wrote:
@Wavester64 wrote:
Curious how difficult is it to request a CLI ...
I had SP success on both WF cards recently, including a Propel. Details here. Good luck.
Thanks James. I wonder with me being so new to the card (~2-months) if they would consider me
for a CLI. We'll see, maybe I'll buzz and try...

Well, its possible, but less likely than that of being a customer for 1 year.

Re: Requesting a CLI from Wells Fargo Propel

Wavester64 — Fri, 20 Mar 2020 16:13:24 GMT

@Anonymous wrote:
@Wavester64 wrote:
Curious how difficult is it to request a CLI ...
I had SP success on both WF cards recently, including a Propel. Details here. Good luck.

James, is it as simple as calling up and saying "Yes, I am calling for a CLI and I want to make sure its just a SP"?

My only experience with CLIs (2) has been online and I am 1 for 2.

Re: Requesting a CLI from Wells Fargo Propel

M_Smart007 — Fri, 20 Mar 2020 16:20:13 GMT

@Wavester64 wrote:
Curious how difficult is it to request a CLI from them?
Easy to request, not so easy to get!

Got the card almost 2 months ago - used it alot since.
2 Months is a relatively short period.

Not seeing anywhere online to request the CLI.
Have to call ..

Do they do a HP for a CLI?
Both .. you ask if a SP is available?, If they tell You they have to go further it is a HP.
Then it is up to you "if" you want the HP? ..WF is VERY conservative.

Re: Requesting a CLI from Wells Fargo Propel

Anonymous — Fri, 20 Mar 2020 16:23:41 GMT

@Wavester64 wrote:
... James, is it as simple as calling up and saying "Yes, I am calling for a CLI and I want to make sure its just a SP"?

Yes. The CSR will take your info, including requested CL, and feed it into the computer. Then you will get a YES or NO.

If it is NO, you have the option to be transferred to an UW for a HP CLI consideration.

If it is a YES but you are dissatisfied with the size of the CLI, you have the option to be transferred to an UW for a HP CLI consideration.

Note: the computer will counter-offer on the CLI amount if you overshoot, so do not sell yourself short.

Re: Requesting a CLI from Wells Fargo Propel

Nomad3 — Fri, 20 Mar 2020 17:34:02 GMT

Ive heard 3mo is the minimum, but calling won't hurt as long as you refuse to HP. I personally wouldn't HP until it hits the 1yr mark, because getting declined + a HP earlier than that would really sting

Re: Requesting a CLI from Wells Fargo Propel

AverageJoesCredit — Fri, 20 Mar 2020 17:38:08 GMT

You have option to try sp route , they will let you know if they need to pull credit before they do but at 2 months old plus current environment, i dont think its worth it honestly. 6 months history is better than 2 in their eyes. Good luck if you try

Re: Requesting a CLI from Wells Fargo Propel

Wavester64 — Fri, 20 Mar 2020 17:54:51 GMT

@AverageJoesCredit wrote:
You have option to try sp route , they will let you know if they need to pull credit before they do but at 2 months old plus current environment, i dont think its worth it honestly. 6 months history is better than 2 in their eyes. Good luck if you try

Yeah, more than likely I am goiung to wait. I wanted to test the waters and if I heard others with similar DPs like me where getting this done and it only cost them a SP, I might of bit the bullet. For now, I'll prob. wait the 6-months.

Wondering if they do auto CLI's in 6 months? 🤔

Re: Requesting a CLI from Wells Fargo Propel

Anonymous — Fri, 20 Mar 2020 18:06:55 GMT

@Wavester64 wrote:
@AverageJoesCredit wrote:
You have option to try sp route , they will let you know if they need to pull credit before they do but at 2 months old plus current environment, i dont think its worth it honestly. 6 months history is better than 2 in their eyes. Good luck if you try
Yeah, more than likely I am goiung to wait. I wanted to test the waters and if I heard others with similar DPs like me where getting this done and it only cost them a SP, I might of bit the bullet. For now, I'll prob. wait the 6-months.

Wondering if they do auto CLI's in 6 months? 🤔

When I got my card initially, asked for a CLI. Denied. After 9 months of heavy use (max out) got a 2K auto CLI.

Re: Requesting a CLI from Wells Fargo Propel

Nomad3 — Fri, 20 Mar 2020 18:16:45 GMT

@Anonymous wrote:
@Wavester64 wrote:
@AverageJoesCredit wrote:
You have option to try sp route , they will let you know if they need to pull credit before they do but at 2 months old plus current environment, i dont think its worth it honestly. 6 months history is better than 2 in their eyes. Good luck if you try
Yeah, more than likely I am goiung to wait. I wanted to test the waters and if I heard others with similar DPs like me where getting this done and it only cost them a SP, I might of bit the bullet. For now, I'll prob. wait the 6-months.

Wondering if they do auto CLI's in 6 months? 🤔
When I got my card initially, asked for a CLI. Denied. After 9 months of heavy use (max out) got a 2K auto CLI.

I also asked for a review of SL because they gave me the minimum, got letter saying lets get to know you better first.

Hopefully I also get an auto bump here in a few months

Re: Requesting a CLI from Wells Fargo Propel

Anonymous — Fri, 20 Mar 2020 18:19:34 GMT

@Nomad3 wrote:
@Anonymous wrote:
@Wavester64 wrote:
@AverageJoesCredit wrote:
You have option to try sp route , they will let you know if they need to pull credit before they do but at 2 months old plus current environment, i dont think its worth it honestly. 6 months history is better than 2 in their eyes. Good luck if you try
Yeah, more than likely I am goiung to wait. I wanted to test the waters and if I heard others with similar DPs like me where getting this done and it only cost them a SP, I might of bit the bullet. For now, I'll prob. wait the 6-months.

Wondering if they do auto CLI's in 6 months? 🤔
When I got my card initially, asked for a CLI. Denied. After 9 months of heavy use (max out) got a 2K auto CLI.
I also asked for a review of SL because they gave me the minimum, got letter saying lets get to know you better first.

Hopefully I also get an auto bump here in a few months

For the travel I was going to do, needed a larger limit. After the auto CLI (1 year) I requested more and got it. SP.