Wells Fargo Autograph Card - DECLINED

[CardHunter]

I was looking for another 0% card because my BCU 0% APR card is getting ready to expire in 2 months so I thought I would pick up the Autograph card, yeah that was a no go. Reason giving was number of revolving bankcard trades opened in the last 24 months which would be 7 cards, a $25,000 PLOC (which I got the same time I got my $25,000 BCU Cash Rewards card with BCU, same HP) and a auto loan 5 months ago with BCU. They pulled EQ and they said my score was 829. I have 3 INQ. on EQ. I thought maybe Wells was like BAC and have the 3/12 rule which im 2/12 (not inculding the auto loan) Maybe I will try my luck with Bank of America, but I wanted to share the DP. 

[Blender]

Sorry for the denial

[gorgon]

Sorry for the denial. Thanks for the data points.

[NoHardLimits]

I'm thinking about applying for the Autograph Journey card, so I also appreciate the data point.

[FlaDude]

Sorry about the denial, did you try calling for a recon?

A couple of years ago I app'ed for the Chase United Exlorer card, FICO 8 scores above 800, way under 5/24 and was denied. Called and got it approved (but had to transfer CL from one of my existing Chase cards).

[CardHunter]

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@FlaDude wrote:

Sorry about the denial, did you try calling for a recon?

A couple of years ago I app'ed for the Chase United Exlorer card, FICO 8 scores above 800, way under 5/24 and was denied. Called and got it approved (but had to transfer CL from one of my existing Chase cards).

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I have not try to recon yet because I wasn't aware Wells does recons, but that is a good idea. Thank you.

[FlaDude]

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@CardHunter wrote:

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I have not try to recon yet because I wasn't aware Wells does recons, but that is a good idea. Thank you.

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I'm really not specifically sure about WF either, but it costs nothing but a bit of time to try.

[CorpCrMgr1]

Sorry for your denial.

[Traveler101]

Sorry for the denial. I've read many posts where they held checking balances against cardholders. 

[Klineact]

Sorry for the decline. I got a great 0% card back in Nov 2023. The USAA Rate Advantage card gives me 0% BT and purchases until April 2025. I got a $20K starting limit too and I had no prior relationship with them. If you are a member they are one to consider as I believe they have other cards with 0% offers. Good luck.