Minimum score to be approved for a Wells Fargo Autograph card?

[IcyCool7227]

I would really like to have this card for my upcoming Western Illinois and Las Vegas, NV trip but I don't think my score is in the cards for it. Does anybody know what the minimum score is to get approved? Pre-approval process says there are no current offers but reading many previous threads a lot of others get that same result even with high credit so does the preapproval page even work? Has anyone gotten preapproved for any Wells Fargo cards? With the scores I have would it even be worth trying to apply or just wait several more months?

[pizzadude]

Moving this thread to Credit Card Applications

[CreditCuriosity]

Scores aren't really that important to WF's as long as they know they possibly can make money off you. Likely FICO scores in the 640-660 range could possibly get approved and a bit higher all the better.  WF isn't concerned with scores but how much credit one has, seeking recent credit and DTI, etc..  I had near perfect 850's scores and been denied few times due to amount of credit I already have and them knowing that they wouldnt make a penny off me and giving me reasons that aren't true.  Also pre-approvals/qual's mean nothing with WF or most lenders one if they think their profile is in good enough shape just needs to apply for any lender as a HP isnt the kiss of death as much as many think.

[FireMedic1]

Its been said having a relationship as in checking with them helps. Their early pay day checking is awesome if not a customer.

[Zosimus]

I got an Autograph card 5/17/2023 with a 745 FICO (Experían). I have a checking account with Wells Fargo, my son's checking account is there (he's only 17), and I already have an Active Cash card with the bank.

[coreyb80]

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@FireMedic1 wrote:

Its been said having a relationship as in checking with them helps. Their early pay day checking is awesome if not a customer.

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This is so true especially if you're borderline.  I have banked with them for many years, not as my main FI, but I do deposit a small amount from my check every couple weeks and use my Autograph card as a daily driver.  Matter of fact I'm going to call tomorrow to request a CLI.

[Meanmchine]

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@CreditCuriosity wrote:

Scores aren't really that important to WF's as long as they know they possibly can make money off you. Likely FICO scores in the 640-660 range could possibly get approved and a bit higher all the better.  WF isn't concerned with scores but how much credit one has, seeking recent credit and DTI, etc..  I had near perfect 850's scores and been denied few times due to amount of credit I already have and them knowing that they wouldnt make a penny off me and giving me reasons that aren't true.  Also pre-approvals/qual's mean nothing with WF or most lenders one if they think their profile is in good enough shape just needs to apply for any lender as a HP isnt the kiss of death as much as many think.

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I was denied for the WF Propel card with 840 score. Im tempted to try for their Active Cash card but probably wont.  No preapproals show

https://www.reddit.com/r/CreditCards/comments/lpx9ua/840_ex9_score_pulled_and_denied_for_wf_propel/

[CreditCuriosity]

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@Meanmchine wrote:

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@CreditCuriosity wrote:

Scores aren't really that important to WF's as long as they know they possibly can make money off you. Likely FICO scores in the 640-660 range could possibly get approved and a bit higher all the better.  WF isn't concerned with scores but how much credit one has, seeking recent credit and DTI, etc..  I had near perfect 850's scores and been denied few times due to amount of credit I already have and them knowing that they wouldnt make a penny off me and giving me reasons that aren't true.  Also pre-approvals/qual's mean nothing with WF or most lenders one if they think their profile is in good enough shape just needs to apply for any lender as a HP isnt the kiss of death as much as many think.

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I was denied for the WF Propel card with 840 score. Im tempted to try for their Active Cash card but probably wont.  No preapproals show

https://www.reddit.com/r/CreditCards/comments/lpx9ua/840_ex9_score_pulled_and_denied_for_wf_propel/

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Save it.. Wells wont approve one after a lengthy credit profile believ me i have wasted many inquiries on them.  You are either their target demo or not and I am not.  Collected my 325$ checking bonus recently and closed account and tooks that as a waste of a HP and told the EO office that when they were investigation why i was denied in the high 800 with high income and low debt.