topic Re: Wells Fargo Autograph Card - DECLINED in Credit Card Applications

Wells Fargo Autograph Card - DECLINED

CardHunter — Tue, 12 Mar 2024 11:03:27 GMT

I was looking for another 0% card because my BCU 0% APR card is getting ready to expire in 2 months so I thought I would pick up the Autograph card, yeah that was a no go. Reason giving was number of revolving bankcard trades opened in the last 24 months which would be 7 cards, a $25,000 PLOC (which I got the same time I got my $25,000 BCU Cash Rewards card with BCU, same HP) and a auto loan 5 months ago with BCU. They pulled EQ and they said my score was 829. I have 3 INQ. on EQ. I thought maybe Wells was like BAC and have the 3/12 rule which im 2/12 (not inculding the auto loan) Maybe I will try my luck with Bank of America, but I wanted to share the DP.

Re: Wells Fargo Autograph Card - DECLINED

Blender — Tue, 12 Mar 2024 12:10:06 GMT

Sorry for the denial

Re: Wells Fargo Autograph Card - DECLINED

gorgon — Tue, 12 Mar 2024 13:27:39 GMT

Sorry for the denial. Thanks for the data points.

Re: Wells Fargo Autograph Card - DECLINED

NoHardLimits — Tue, 12 Mar 2024 16:08:50 GMT

I'm thinking about applying for the Autograph Journey card, so I also appreciate the data point.

Re: Wells Fargo Autograph Card - DECLINED

FlaDude — Tue, 12 Mar 2024 20:12:11 GMT

Sorry about the denial, did you try calling for a recon?

A couple of years ago I app'ed for the Chase United Exlorer card, FICO 8 scores above 800, way under 5/24 and was denied. Called and got it approved (but had to transfer CL from one of my existing Chase cards).

Re: Wells Fargo Autograph Card - DECLINED

CardHunter — Tue, 12 Mar 2024 20:22:52 GMT

@FlaDude wrote:
Sorry about the denial, did you try calling for a recon?

A couple of years ago I app'ed for the Chase United Exlorer card, FICO 8 scores above 800, way under 5/24 and was denied. Called and got it approved (but had to transfer CL from one of my existing Chase cards).

I have not try to recon yet because I wasn't aware Wells does recons, but that is a good idea. Thank you.

Re: Wells Fargo Autograph Card - DECLINED

FlaDude — Tue, 12 Mar 2024 20:25:59 GMT

@CardHunter wrote:
I have not try to recon yet because I wasn't aware Wells does recons, but that is a good idea. Thank you.

I'm really not specifically sure about WF either, but it costs nothing but a bit of time to try.

Re: Wells Fargo Autograph Card - DECLINED

CorpCrMgr1 — Wed, 13 Mar 2024 00:40:20 GMT

Sorry for your denial.

Re: Wells Fargo Autograph Card - DECLINED

Traveler101 — Wed, 13 Mar 2024 01:33:00 GMT

Sorry for the denial. I've read many posts where they held checking balances against cardholders.

Re: Wells Fargo Autograph Card - DECLINED

Klineact — Thu, 14 Mar 2024 19:51:00 GMT

Sorry for the decline. I got a great 0% card back in Nov 2023. The USAA Rate Advantage card gives me 0% BT and purchases until April 2025. I got a $20K starting limit too and I had no prior relationship with them. If you are a member they are one to consider as I believe they have other cards with 0% offers. Good luck.

Re: Wells Fargo Autograph Card - DECLINED

nytokyobred79 — Fri, 15 Mar 2024 08:36:44 GMT

Sorry to hear about your denial. I was also declined beginning of the year for WF. And the reason code was the same.

Re: Wells Fargo Autograph Card - DECLINED

narcan04 — Thu, 21 Mar 2024 06:31:19 GMT

Was itching to pull the trigger on a Bilt and had not seen anything about WF looking at x/24 before. Sounds like I'll be waiting a few more months, thank you for the DPs.

Re: Wells Fargo Autograph Card - DECLINED

FrankenBeans — Sat, 23 Mar 2024 15:35:55 GMT

I was originally denied back in November, but did recon and got in. I can't remember the reason for they gave for denial, but it was probably couldn't verify identity.

I DO think WF wants to see a clear history for at least 6 months...no new cards or inquiries.

Re: Wells Fargo Autograph Card - DECLINED

FicoMike0 — Sun, 24 Mar 2024 02:17:56 GMT

I've found two things with wf, sensitive about recent hps, favor account holders.

Re: Wells Fargo Autograph Card - DECLINED

Repskifinance — Tue, 04 Jun 2024 20:00:06 GMT

Do you have any data points in regards to Bank of AMerica business cards?
Curious if you're looking at them because you already have an account with them, unsure of what limits they have been handing out on the business side either so it would be good to know from your experience or what you know