Wells Fargo Blacklist?

Winchester2005 · ‎05-08-2023

Hello,

Back in 2013 I did a stupid thing with Wells Fargo and cashed a check at an ATM and it bounced, and they charged off my account after awhile of it being negative.

I have long since paid this off (in 2014) but remember applying for a credit card in like 2016 with them and they denied me instantly due to something like previous adverse banking relationship.

I am wondering if the blacklist for Wells is permanent? I am looking to get a new card (preferably the Wells Fargo Reflect) to take advantage of the promo 0% to buy an engagement ring, and the jewelers 0% offer has capitalized costs at tail end if I don't PIF at end of certain period

Jeffster1 · ‎05-08-2023

@Winchester2005 wrote:
Hello,

Back in 2013 I did a stupid thing with Wells Fargo and cashed a check at an ATM and it bounced, and they charged off my account after awhile of it being negative.

I have long since paid this off (in 2014) but remember applying for a credit card in like 2016 with them and they denied me instantly due to something like previous adverse banking relationship.

I am wondering if the blacklist for Wells is permanent? I am looking to get a new card (preferably the Wells Fargo Reflect) to take advantage of the promo 0% to buy an engagement ring, and the jewelers 0% offer has capitalized costs at tail end if I don't PIF at end of certain period

I don't know how they look at unpaid chargeoffs but I IIB my WF card in a 2017 Chapter 13 and was approved for a WF BILT card with a SL of $30K in October 2022. My DC was in January 2021. Granted, I had a very long history with WF going back to when I was a kid.

0% utilization
FICO 8 EX 839 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Citi Thank You MC 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K

TJHOFF · ‎05-10-2023

I put them in a bankruptcy back in 1997 and in the past year they used the "adverse previous relationship" as one of the excuses to turn me down. Them, BA, Citi, Chase all have very long memories in my experience.

Drifter73 · ‎05-10-2023

WF and Amex have a very very long blacklist memory that sometimes never gives a second chance when it comes to charge offs.

I'm still blacklisted at both from 1993 (30 years ago) for charge offs.

Thankfully, you have lots of other lenders to choose from to build better relationships with after learning from past mistakes.