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Re: Wells Fargo Signify Business Cash Card now live!
Thanks for the heads up! My new LLC has been approved for $5000 Wells Fargo Signify Business Cash Card.
Data Points and Business credit Journey to this point:
- Personal scores currently 675-698. Under 25% utilization
- Personal WF checking customer for about 5 years
- LLC created Jan. 2024 (online registered agent service)
- Wells Fargo Business Checking account opened Jan. 2024 (90 minute process in local branch)
- Found out while opening account that no Wells Fargo Business Credit Card on Market due to them in process of new business CC product
- SBA Loan was applied for during checking account creation and went to processing but denied a week later due to 5 Yr. old BK
- Applied and approved for Capital One Business card ($2K) late January right after SBA loan denial
- Business Checking and Capital One card basically idle except to pay for small business monthly fees (min. $500 in checking to avoid fee)
- Applied for Wells Fargo Signify Business Cash Card with exact information from my previous WF Business Checking packet
- Application status said pending review
- Next day WF sends me a vague account alert. Log in and see new Wells Fargo Signify Business Cash Card listed with no details
- Next day Wells Fargo Signify Business Cash Card shows limit and rewards account
- Assume physical card is in process but have not seen any communication since the initial "Pending Review"
Being a new 2024 LLC and not having pristine personal credit I think the business credit limits Capital One and Wells Fargo offered me have been fair. Capital one is a wild card at raising limits based on my personal credit with them but Wells Fargo seems like they would increase the limit if I showed documented business revenue to support it. Hope this helps other people with similar scores and a BK but looking into business credit.
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Re: Wells Fargo Signify Business Cash Card now live!
That’s Terrific!! Congratulations @CubanCheapSkate on your Approval!!👏🏼🍾🥂
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Re: Wells Fargo Signify Business Cash Card now live!
@johndoe3 wrote:I thought conditional approval might mean documentation would be required, but my account went live today and no documentation was requested.
I did previously submit docs for that BLOC application but that was some time ago.
Anyone know it this Signify card will report to personal reports monthly - Or only on non payment?
Like any other CC from Wells, they will report a balance or zero balance each month
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Re: Wells Fargo Signify Business Cash Card now live!
Anyone's bonus tracker move or get paid bonus? Met all spend and statement posted but tracker hasn't moved. Thanks!
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Re: Wells Fargo Signify Business Cash Card now live!
@cashorcharge wrote:
@johndoe3 wrote:I thought conditional approval might mean documentation would be required, but my account went live today and no documentation was requested.
I did previously submit docs for that BLOC application but that was some time ago.
Anyone know it this Signify card will report to personal reports monthly - Or only on non payment?
Like any other CC from Wells, they will report a balance or zero balance each month
As a WF business card, does anyone know if it will report to personal bureaus or to business?
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Re: Wells Fargo Signify Business Cash Card now live!
Business only I believe
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Re: Wells Fargo Signify Business Cash Card now live!
@LADave wrote:
@cashorcharge wrote:
@johndoe3 wrote:I thought conditional approval might mean documentation would be required, but my account went live today and no documentation was requested.
I did previously submit docs for that BLOC application but that was some time ago.
Anyone know it this Signify card will report to personal reports monthly - Or only on non payment?
Like any other CC from Wells, they will report a balance or zero balance each month
As a WF business card, does anyone know if it will report to personal bureaus or to business?
Business CB's only......
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Re: Wells Fargo Signify Business Cash Card now live!
How long did it take to get your card, anyone? Approved yesterday, rep is saying 12 business days to get in hand.
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Re: Wells Fargo Signify Business Cash Card now live!
@lnacen wrote:How long did it take to get your card, anyone? Approved yesterday, rep is saying 12 business days to get in hand.
Mine was sent overnight by USPS Priority Mail Express. I saw a YouTube video (don't remember which creator) that showed he got his the same way.
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Re: Wells Fargo Signify Business Cash Card now live!
Additional DP: My card was sent old fashion slow mail - it was about 12 business days before I received it.