Wells Fargo Platinum Card + BLOC Approved

[Anonymous]

No Current relationship.  Had a checkings w them in 2004.

Went in to sign up for checking+Credit products.

After Checking was opened she said I have product offers for Business platinum up to 25k.  Accepted.

Also said I have an offer for BLOC up to $100k no fee for first year, 50$ annually after.  Accepted.  Did not get the details of the APR on it think she was too busy flirting. 

Anyone know how long it takes for credit products to show up in online account?

I dont see the details in my login, just a checking account w $500 on it (minimum to not be charged fees monthly).

Personal EX is about ~808 Fico right now, 5 Inquiries the past week/6months (Citi AA, Chase Biz Unlimited, Staples, Home Depot, something else I forgot), 18 total the past year (picked up some vehicles).  

2% Util, no baddies/lates, 

[babygirl1256]

Wow . . . Congrats on your Wells Fargo Platinum Card -and- BLOC approvals . . . That's fantastic!!!

[FinStar]

It usually takes up to 48 hours (give or take) for products to be linked to your online profile. Did you get approved for the full amounts or what were the set amounts? 

Congrats on both approvals btw!

[Anonymous]

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@FinStar wrote:

It usually takes up to 48 hours (give or take) for products to be linked to your online profile. Did you get approved for the full amounts or what were the set amounts? 

Congrats on both approvals btw!

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Thnx baby girl and finstar.

Approved for the 25k card and 100k bloc. She said that's the max for the bloc and the other block didn't auto populate an offer but I could run credit for it if I was interested, the other two products were SP offers when opening checking. I checked Experian nothing came up for HP/INQ yet. 

[bizcredit11]

Congrats @Anonymous on your Wells Fargo card and large business LOC. I was always a bit hesitant to open an account at WF. So far what has been your overall experience with WF? I noticed you did have a little bit of history with them as well.

Also has everything remained a SP for you? That's always good to hear!

Thanks for sharing your experience,

bizcredit11

[Anonymous]

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@bizcredit11 wrote:

Congrats @Anonymous on your Wells Fargo card and large business LOC. I was always a bit hesitant to open an account at WF. So far what has been your overall experience with WF? I noticed you did have a little bit of history with them as well.

Also has everything remained a SP for you? That's always good to hear!

Thanks for sharing your experience,

bizcredit11

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 I dont have any direct experience with them regarding credit products, my personal card is an AU from the wife and my checking account from 2004(?) has been dead for over a decade lol. 

So far no HP from them yesterday when I opened the biz accounts.

[AzCreditGuy]

Would like to know how you got zero HP from Wells check? I got a HP for Business Card and approved for $25k myself, didnt apply for BLOC

[Anonymous]

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@AzCreditGuy wrote:

Would like to know how you got zero HP from Wells check? I got a HP for Business Card and approved for $25k myself, didnt apply for BLOC

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No idea. 

just received the CC today. 

[bizcredit11]

@AzCreditGuy Just got off the phone with a branch manager at Wells Fargo. In the words of the manager...we pull credit for a business bank account its a soft pull we usually pull Experian and see if you qualify for anything else like a cc or perhaps a BLOC.

Evidently it's Wells Fargo's process when you open a business bank account. In my research WF will not pull your ChexSystems.

Go in with strong personal. I do not know if they use SBFE and Experian biz, but since WF reports to SBFE seems natural to use that. I will know more tomorrow. Appointment with a banker is in the afternoon. 

bizcredit11

@Anonymous You kind of set the bar high! 

[AzCreditGuy]

Had I known that I would have not wasted a INQ for my business CC with Wells, really annoying to know after the fact. I have a personal checking and CC with Wells and scores over 800