topic Dillards card through Wells Fargo in Credit Card Applications

Dillards card through Wells Fargo

privateone — Fri, 21 Jun 2024 12:56:57 GMT

What all are they looking at for approval? I saw doing a Google search that you need a 640 credit score, which I'm well above. However, I applied and didn't get an instant approval, which usually means it was declined.

A little background - I burned Wells Fargo in a Ch 7 in 2005. I also have a cluster of credit inquiries that are now almost two years old.

Re: Dillards card through Wells Fargo

FicoMike0 — Sat, 22 Jun 2024 03:44:06 GMT

Wells Is picky about recent inquiries, but two years isn't recent.I

Didn't know they had dillards card, didn't know there still was dillards, lol.

Re: Dillards card through Wells Fargo

sophiebelle — Thu, 27 Jun 2024 11:44:26 GMT

Not sure. I got this card a little over a year ago at the register. Approved for the Amex version with a 5700 credit line which is very low for my profile. At the time, Fico 8's were about 830.

I don't regret getting the card but it's kind of worthless. Only real advantage is getting the 10% off rewards.

This week I received a letter from WF stating that in September, the card will change to CITI and become a Mastercard. Maybe try again when this happens as CITI seems to be easier to get on with?

Re: Dillards card through Wells Fargo

msml_2020 — Thu, 27 Jun 2024 19:05:20 GMT

I was approved for a Dillards card last month, scores about where yours are, $1k limit, and some recent inquiries. I'm about 4.5 years out of Chap 7, and I was shocked that WF actually approved me.

Earlie this week, I got a letter from WF that Citi is taking over Dillard's branded cards and I'm wondering if they will close out my account since Citi isn't very bk friendly. Last I checked, Citi wanted at least 10 years from discharge. I didn't burn them in the bk, but my husband did. I'm currently sitting at zero on the Dillards account and think I'll just leave it in a drawer and see what happens.