Wells Fargo One Key Card Denial

ChameleonBob · ‎06-14-2025

I've been applying for the One Key card through Expedia for the past 4 months and I get a letter saying that they can't approve me because of my bankrutcy on file.

I never had a credit card through them before.

My bankruptcy was finalized in January of 24.

I could call them at this point but I figured I would get more answers on here.

TU 686 EQ 699 EX 716
Ally Everyday Cash Back $4k - SoFi Essential $3k - Discover IT Secured $200 - Bread Cashback $6100 - Credit One Omni Rewards Amex $10k - Macy's Amex $2k
CH7 Discharged 1/24
Burned: Amex, BOA, Citi, Cap1, Comenity, Credit One, Merrick Bank, Republic Bank & Trust, Pentagon FCU, Synchrony, Affinity FCU

Jnbmom · ‎06-14-2025

They denied you because you have a recent BK.

They tend to be more in the conservative side .

EXP 780 EQ 796 TU 810

Jeffster1 · ‎06-14-2025

@ChameleonBob wrote:
I've been applying for the One Key card through Expedia for the past 4 months and I get a letter saying that they can't approve me because of my bankrutcy on file.
I never had a credit card through them before.
My bankruptcy was finalized in January of 24.
I could call them at this point but I figured I would get more answers on here.

You don't have to have had a card from WF IIB in order to be denied based on the BK reporting on your record.

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

ChameleonBob · ‎06-14-2025

Is there a certain timeframe I should be looking at before they look at me?

TU 686 EQ 699 EX 716
Ally Everyday Cash Back $4k - SoFi Essential $3k - Discover IT Secured $200 - Bread Cashback $6100 - Credit One Omni Rewards Amex $10k - Macy's Amex $2k
CH7 Discharged 1/24
Burned: Amex, BOA, Citi, Cap1, Comenity, Credit One, Merrick Bank, Republic Bank & Trust, Pentagon FCU, Synchrony, Affinity FCU

Jeffster1 · ‎06-14-2025

@ChameleonBob wrote:
Is there a certain timeframe I should be looking at before they look at me?

My only point of reference with WF post-BK is my experience with the WF BILT card. I was approved for a 30K SL 21 months after my DC. Mine was a 13 and I IIB WF.

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

Meanmchine · ‎06-15-2025

@ChameleonBob wrote:
Is there a certain timeframe I should be looking at before they look at me?

Do their prequal test every six months but dont hold your breath, sorry

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching

c00mtg · ‎06-17-2025

Hi OP,

I was denied for this card as well.

On a recent trip we booked, I told the wife if she wanted to apply and she did and got approved. I told her to add me as an AU and I was approved as an AU.

vs

AMEX - They didn't approve me as an AU due to Ch13 Discharged in 10/2024.

SDFCU $500
Chase Sapphire Preferred $24.2K
Chase IHG $33.1K
BOA Alaska $22K
Capital One Venture $35K
Home Depot $5K
Fidelity Visa $11k
PendFed Cash Rewards $12.5K
USAA Platinium Rewards $5K
Capital One Potterybarn $19.5K
Amazon Visa $6K
AMEX Bread $8.9K

MileHigh96 · ‎06-17-2025

@ChameleonBob wrote:
Is there a certain timeframe I should be looking at before they look at me?

I've prequalified for this card a couple of different times I've checked, never pulled the trigger though. My BK7 is pushing 4 years post DC now and I did not have WF IIB

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $15000 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $11000 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $15000 CL (opened 11/7/25)

Lands' End Visa $5300 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

6/6, 6/12, 11/24 new accounts
TCL: $219.4K

Jeffster1 · ‎06-17-2025

I just checked the prequalification tool, and was prequalified for a SL of 18K.

Think I'll pass.

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

Waldemar · ‎06-19-2025

@ChameleonBob I was approved for a One Key Card in August 2024, slightly over 4 years after my C7 BK, which included Wells Fargo. I had been pre-approved multiple times before I decided to apply. They gave me a starting limit of 9k, which remains the same to this day. Love the card!