One Key Card Denied

[pauldc73]

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@youngandcreditwrthy wrote:

wells is just very relationship based and they weren't even in the CC market until around 2012 ish.

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 I had a WF credit card from 1998-2001.  I forget the exact name of the account, but I do remember the card only having 13 digits rather than the now common 16 digits.

[youngandcreditwrthy]

@FicoMike0  by offering 400, its like they want to contribute to inflation with their "funny money" jeez.

[Chief2177]

All I can say is that Wells Fargo is doing you a favor here by not extending credit to you. Be glad that you don't have to deal with them. Believe me, I know from first hand experience. I so happen to have had a credit card account with them and let me tell you that  their customer service is beyond pitiful (even their Google reviews for their branches show it...let's just say that many are not very fond of how they run their business). Not to go into detail about my experience with them, but was so happy to pay off the balance I owed to them. Once that was done, I called immediately to have them close out the account, of course, they attempted everything to convince me to change my mind to not close it, but due to their bad business practices, absolutely nothing they could do to save me as a customer.

[TARHEELGIRL82]

I was discharged from a 60 month Chapter 13 in April. I have a ton of inquiries and did the prequalify on Expedia today. It came back that I was prequalified for $4k. I took the hit and it was approved. I had prequalified for a Wells Fargo home improvement credit card (via a flooring company) maybe two months ago and it was denied. Oh my score on Experian today is 655 (which they pulled from). 

[ChameleonBob]

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@TARHEELGIRL82 wrote:

I was discharged from a 60 month Chapter 13 in April. I have a ton of inquiries and did the prequalify on Expedia today. It came back that I was prequalified for $4k. I took the hit and it was approved. I had prequalified for a Wells Fargo home improvement credit card (via a flooring company) maybe two months ago and it was denied. Oh my score on Experian today is 655 (which they pulled from). 

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Grats. 

[youngandcreditwrthy]

AND THIS is what Im scared of.

they suggest I apply with a pre approval of 7k, and I x'ed out before I wasted a HP.

ugh better luck next time I suppose.