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Wells Fargo CLI SP or HP

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raisemysc0re
Established Contributor

Wells Fargo CLI SP or HP

I have a Wells Fargo Microcenter card which is only at $5K. I only use it because I shop there a lot and like the 5% at the register discount the card provides. I always use the 5% and not the 6 month 0% and PIF right away so I don't technically need a CLI. But I could sometimes see myself going over the 5K limit on one shopping trip. I see on the forums that WF is almost always a SP for CLI but when I called and talked to a rep (Very heavy accent) he said it would HAVE to be a HP for any CLI request...

Is he wrong or is there a difference between regular cards and retail cards?

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Message 1 of 4
3 REPLIES 3
Hex
Valued Contributor

Re: Wells Fargo CLI SP or HP

I got an increase yesterday. It was a soft pull. You have to call in to request and you can tell them you want an increase but not badly enough to have a hard pull done. I've successfully made 4 requests and each time when I said that they said they do a soft pull and see if you qualify with that and if you don't they'll offer you the option to proceed to a hard pull or not. They have always been super nice to me and I love my Propel card. 

Message 2 of 4
FalconSteve
Valued Contributor

Re: Wells Fargo CLI SP or HP

Wells Fargo does both and you have to specify you are checking to see if you have a SP CLI available. The CSR might not be knowledgable, so be prepared to call later. If retail cards are to same, they will want an income breakdown by source. Even with regular cards, I have had serveral reps wrongly tell me it had to be a HP.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 3 of 4
arifjk
Frequent Contributor

Re: Wells Fargo CLI SP or HP

I called WF yesterday, and the CSR told me it's a hard pull. I said I wanted a soft pull but she could not find anywhere in their system to offer a CLI with a soft pull. 



AVEN Visa $80k; BCU LOC $50k; PSECU LOC: $20K; Langley FCU LOC $10K; CuSoCal LOC $25k; BECU LOC: 15k; Apple FCU LOC $20k

Message 4 of 4
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