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.

FICO 8 EX 829 EQ 824 TU 844

Current lineup as of 9/24
American Express Blue Cash Everyday 20K | American Express Blue Cash Preferred 20K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 5K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One QS MC 11K I NFCU Flagship Rewards Visa 25K I NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 14K I Bread Financial American Express 10.5K I AAA Daily Advantage Visa Signature 8.5K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I

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.