How often can you ask Wells Fargo for CLIs and APR reductions?

[J0hnD0nuts]

Title says it all.

[M_Smart007]

Pretty sure you can ask every 6 months.

APR reductions, might be like Chase, probably non-exsistent. (YMMV ..I could be wrong)

[lhcole77]

I've been told they don't lower APR.

I did CLI requests every 6 months for a while. SP if you call. If it doesn't go through, they let you know you can forward it on for HP consideration. 

[M_Smart007]

---

@lhcole77 wrote:

I've been told they don't lower APR.

I did CLI requests every 6 months for a while. SP if you call. If it doesn't go through, they let you know you can forward it on for HP consideration. 

---

Been my experience as well.

[Wavester64]

---

@M_Smart007 wrote:

---

@lhcole77 wrote:

I've been told they don't lower APR.

I did CLI requests every 6 months for a while. SP if you call. If it doesn't go through, they let you know you can forward it on for HP consideration. 

---

Been my experience as well.

---

What if you tried after 3-months of having the card and got denied for "insufficient experience with present account" which was a SP. Can one try again in 3-months making that a total of 6-months? Or does that require another 6-months?

[M_Smart007]

---

@Wavester64 wrote:

---

@M_Smart007 wrote:

---

@lhcole77 wrote:

I've been told they don't lower APR.

I did CLI requests every 6 months for a while. SP if you call. If it doesn't go through, they let you know you can forward it on for HP consideration. 

---

Been my experience as well.

---

What if you tried after 3-months of having the card and got denied for "insufficient experience with present account" which was a SP. Can one try again in 3-months making that a total of 6-months? Or does that require another 6-months?

---

@Wavester64, I can't be 100% for sure, I don't think it resets the 6 month rule.

[chuckwood]

I tried on mine at 5 months on accident because they generated a statement the day I got the card and got the "insufficient experience with present account".  Then I called back in the next month and it I was approved for a cli with a sp.   

[M_Smart007]

---

@chuckwood wrote:

I tried on mine at 5 months on accident because they generated a statement the day I got the card and got the "insufficient experience with present account".  Then I called back in the next month and it I was approved for a cli with a sp.   

---

@chuckwood, I was always under the impression 6 month WF CLI's were pretty set in stone.

As I never remember of any DP's suggesting earlier than 6 months.

[chuckwood]

---

@M_Smart007 wrote:

---

@chuckwood wrote:

I tried on mine at 5 months on accident because they generated a statement the day I got the card and got the "insufficient experience with present account".  Then I called back in the next month and it I was approved for a cli with a sp.   

---

@chuckwood, I was always under the impression 6 month WF CLI's were pretty set in stone.

As I never remember of any DP's suggesting earlier than 6 months.

That is correct. I had tried it at 5 months on accident because I had 6 statements not realizing it had only been 5 months and got the letter so I waited another month and tried again and was successful.

---

[Wavester64]

---

@chuckwood wrote:

I tried on mine at 5 months on accident because they generated a statement the day I got the card and got the "insufficient experience with present account".  Then I called back in the next month and it I was approved for a cli with a sp.   

---

Thanks @chuckwood ! That reads good for me since I tried @ 3-months I got the same thing you got and 6-months for me is next month