@Anonymous wrote:
Hello there,
I have Well's Fargo Propel card for the last 7 years...Never got any CLI for itself nor I myself ever asked for it until January of this year (I believe)...I read over here that people could ask for CLI on this card after 4 month and it would be SP, which made me to ask for CLI in January of this year and I got it, but I have been trying to get CLI for the last two weeks but each time system is prompting my request to a credit department wherein they will do a HP and no guarantee of any CLI....So whenever my SP request is not going thru, I am kept withdrawing it and after 24 hours later requesting again for SP request with a lower amount than what I asked last time...but nothing went thru...even last amount I tried is $1200 (just to check if it goes thru or not)...I just don't want to speak with credit department as I am afraid that they might decrease my CL or maybe close my account as I have NOT used my card more than 7 times in 7 years and maximum I have charged on the account is $275...while my CL is in mid $30k...
Is there anyone whose SP request didn't go thru without enough spend on the card from the last CLI? I just spoke with credit department and they told me that I don't have enough use on the card at all, which I knew it anyway but my call was transferred by the customer service to credit department and I didn't want them to hide from them as I thought they might do something on my account if I hang up the call. I think the reason for system to not to grant/offer anymore CLI on my account is because there is no enough spend on the card OR system believes that whatever CL I have is enough based on my spend, my income, or total available CL on all revolving accounts?? Any ideas??
Mine have been SP so far but they're far and in between. Keep in mind, if you're only spending a minimal amount on your card and you haven't used it excepet for a few transactions over the years, there's really no incentive for WF to increase your line, especially if it's at the $30K mark -- it's possible you're tapped out unless you take a HP. Also, the current Propel card hasn't been around for 7 years, unless you converted a different product or have a different Propel version (i.e. Propel World -- but that particular product hasn't been around much since 2015).
That said, if you want a CLI, then take the HP (wouldn't really hurt much considering some HPs you've had in the past 12 months). Your decision, of course. FWIW, speaking to the lending department isn't going to trigger them lowering your limit or closing your account for lack of use, even if you take a HP and there's no CLI.
