Did Wells Frago stop SPs on the Autograph CC?

[AzCreditGuy]

When I opened my card I got a decent SL at 15k, I am at 25K with a SP, now but it seems the last 2 requests for a CLI have resulted in me being transferred over to a rep , ready to pull my credit? Has anyone else experienced this?

[mgood]

They've usually told me they couldn't promise if it'd be a soft pull or hard pull and then asked if I wanted to proceed.

I had my reports frozen so I told them to go ahead.
Sometimes they'd come back and tell me I'd get a letter in so many days. Letter would arrive saying they did not approve an increase because they couldn't access my reports.
Other times they'd come back on the phone and tell me the increase was approved and for how much.

I haven't asked in a while. I'm at 22k and only put my cell phone bill on there most of the time.
It is possible that 25k is as high as they go without a HP. (Speculation, but maybe I read that here somewhere.)

[RootDet]

I think 25k is just as high as they will go with a sp, similar to us bank. 

[NoMoreE46]

Sometimes the CSR verbiage is confusing and have gotten mixed messages myself.

When passed on to the second person, they will reiterate the same thing and try the SP again.   If that doesn't work they will specifically ask you if you want a hard pull.  

I am well over $25,000 on my Active Cash with only SP.

[mgood]

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@mgood wrote:

Sometimes they'd come back and tell me I'd get a letter in so many days. Letter would arrive saying they did not approve an increase because they couldn't access my reports.

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I just called, for science

I asked for another $4k, which would bring my CL to $26k.
They're going to send me a letter in the mail.

[AzCreditGuy]

Decided to test them at $10k, nope they wanted to send me over to a spcialists aka HP....I try again in Dec for $5k CLI 

[NAVYCHOP]

I think it must be the algorithms that tells them whether to do a SP or HP.  Back in 2022 I went through a drama of my own making on the Active Cash Card.  I was carrying a balance which I no longer do, two months in a row I missed the minimum payment by a day or two-- ie I made payments before the bill's closing date but after the payment due date.  The second month in a row when that happened, Wells Fargo balance chased me so that my CL dropped from 12,600 to 7,000 and I was over the credit limit with a $7,200 balance.  I immediately paid the balance in full and started running $3k to $4k a month through the card and PIF.  At the three month mark they said it was too soon to request a CLI after a credit limit decrease.  At the six month mark they did a HP and underwriting raised the limit from $7k up to $14k.  So in six months my CL swung from $12,600 to $7k to $14k. Doubtless but for my stupidity in paying a day or two past the due date, the HP would have yielded a higher CLI if I had been standing at $12,600 rather than $7k.

That experience prompted me to look at my Visa spend and then move most of those charges to the Bank of America Premium Elite Rewards card as Platinum Honors with 2.62 percent cash back on everything and 3.5 percent cash back on travel and dining.  Thus, I suppose fate had a hand because if I had not paid late before the statement cut and Wells had not cut my credit line, I would likely still be running my charges through the active cash card than the more lucrative card at BOA.  At this point in life I think I am at the end of the line in applying for new accounts because certain others may be better on the margin but the BOA cash back rate on a card with no FTF in a combo with AMEX accounts satisfies all my needs.