WF HATES ME

[Jeffster1]

Not that I'm looking but despite decades of a banking relationship with WF that began with First Interstate when I was a mere kid (WF acquired First Interstate long ago), I can't get any pre-selected credit card offers from them at all. I kept my checking and savings with them (only secondary accounts as I keep my big accounts at BoA) and included a single WF CC in my BK which discharged in January 2021. I paid them 100 percent as all my creditors.

I check the pre-select tool periodically; have updated my income (190K) with them but still nothing. I'm not really willing to waste a HP, though. I'm really considering just closing my accounts with them if there's just no chance ever. 

. 

[DSTMystique]

I totally understand what you mean!  

I have 2 business checking accounts with them with sizeable amounts in them and they won't offer me anything.  Maybe it's because I don't have a personal account them, I don't know but it's extremely frustrating.  

[Jeffster1]

---

@DSTMystique wrote:

I totally understand what you mean!  

I have 2 business checking accounts with them with sizeable amounts in them and they won't offer me anything.  Maybe it's because I don't have a personal account them, I don't know but it's extremely frustrating.  

---

@DSTMystique Ugh..WF can be so weird. It appears that they really aren't much of a relationship bank. So frustrating! I find BoA, USBank, BMO Harris and TD so much more relationship-oriented. 

They should be rolling out the red carpet for you. 

WF...throw us a bone!

[DSTMystique]

I totally agree!

I am tempted to do an experiment by opening up a BOA account, waiting a little while, apply for a card and see if I get approved!  LOL

They have sent me some "pre-qualified" stuff before and I didn't follow up becaue I didn't have an account with them.  

I agree they should be rolling out the red carpet for me...I am tempted to call them to see what the deal is.  My credit scores are all in the mid-700s and I have less that 7% utilization across all my cards (15 of them)  I make well over 6 figures, and still can't get a card from MY bank..LOL

[Anonymous]

Have no relationship and no preapproval but will cold app for Bilt next week after 3 more Ex inqs fall off or won't it matter that close. Wish me luck!

If u have accts how about applying in person?

[mfinsmi1]

@Jeffster1 not 100% but i think WF is not bk friendly even if you did pay it all back 

[FinStar]

---

@Jeffster1 wrote:

Not that I'm looking but despite decades of a banking relationship with WF that began with First Interstate when I was a mere kid (WF acquired First Interstate long ago), I can't get any pre-selected credit card offers from them at all. I kept my checking and savings with them (only secondary accounts as I keep my big accounts at BoA) and included a single WF CC in my BK which discharged in January 2021. I paid them 100 percent as all my creditors.

I check the pre-select tool periodically; have updated my income (190K) with them but still nothing. I'm not really willing to waste a HP, though. I'm really considering just closing my accounts with them if there's just no chance ever. 

. 

---

Your previously DC'd CH13, regardless of the required/satisfied payment plan, is still going to impact any future applications, let alone any WF pre-selected offers. 

If you are technically "not looking" then it should be a non-event. There have been plenty  successful WF approvals even with a previous BK on record, but it's profile dependent and it would behoove you to let some time pass. It's unlikely to yield fruit for a few years regardless if CH13 was DC'd and satisfied. It's still considered a negative factor by a variety of lenders. Some are flexible, others aren't.

[Jeffster1]

---

@FinStar wrote:

---

@Jeffster1 wrote:

Not that I'm looking but despite decades of a banking relationship with WF that began with First Interstate when I was a mere kid (WF acquired First Interstate long ago), I can't get any pre-selected credit card offers from them at all. I kept my checking and savings with them (only secondary accounts as I keep my big accounts at BoA) and included a single WF CC in my BK which discharged in January 2021. I paid them 100 percent as all my creditors.

I check the pre-select tool periodically; have updated my income (190K) with them but still nothing. I'm not really willing to waste a HP, though. I'm really considering just closing my accounts with them if there's just no chance ever. 

. 

---

Your previously DC'd CH13, regardless of the required/satisfied payment plan, is still going to impact any future applications, let alone any WF pre-selected offers. 

If you are technically "not looking" then it should be a non-event. There have been plenty  successful WF approvals even with a previous BK on record, but it's profile dependent and it would behoove you to let some time pass. It's unlikely to yield fruit for a few years regardless if CH13 was DC'd and satisfied. It's still considered a negative factor by a variety of lenders. Some are flexible, others aren't.

---

@FinStar Last time I checked, we all assess a wide range of factors in determining whether to stay with a financial institution, especially one with which we have had decades of history. I don't have to be "looking" in order to come to a conclusion as to whether a bank wishes to do business with me. I am well aware that it is up to WF to determine whether or not they wish to extend me credit, and it is up to me to stay with them or leave. I would have no way of knowing whether or not I would be approved without actually applying. For me, my specific issue with WF is the lack of pre-selected offers. You deem my observation as a "non-event." I see many similar posts throughout this forum. Or is it that I alone am not permitted to share my experience without being told my question or observation doesn't matter? 

[Aeon]

I've had a WF checking and savings account since it acquired Wachovia 10+ years ago. I trashed my credit in 2009 and in 2014 decided to get a WF secured card to start a rebuild. The card graduated on time and I was given a $1k SL, but it has been like pulling teeth to get any CLIs since then. I haven't ever been pre-approved for any WF cards but they SP my credit report about 2x/year. I have carried a balance on two occasions so it's not as if WF hasn't made money off of me. Clearly not their ideal credit customer, but I am thankful they gave me a chance when they did.

[FireMedic1]

@Jeffster1Pre-selected offers in most cases is marketing. Some are targeted yes. Because you dont get any doesnt mean a thing. When it comes to applying. Theres a group here that knows what with go thru and what wont. You can take the advice from 10+ yr vets here like I did. Or ignore it. The ones I listened to the most are no longer here that helped me grow because they knew what would be an approval. I took thier advice and it worked. I didnt go 18/1 from just applying and hoped for an approval. When you ask for opinions/advice. You'll get answers. Take it or leave it. Thats your chioce. If you want to know if you can get back in with WF. Apply. Its only a HP. Then you'll see the old timers were right all along. Like I did.