@Anonymous wrote:
@lindsaydruart wrote:WF Secured card is a waste of time if you want something that will unsecure. Otherwise, it's the same as any rebuilder card that you get for a short time and cancel before the first year.
WF graduates, just not as quickly as say BOA. WF reviews cards for graduaton twice a year.
I've seen a many people with secured cards for 2-3 years before they graduated. That is bananas to me.
Gardening since 12/15/2019. Goal 12/15/2021
I decided to take a peek to see if there was anything there for me... there was (!), but it wasn't too good...
(note also that my promo was only for 15 months)
It could be worse (26.24% is the highest they have), but with a 716 FICO I can do better elsewhere. That being said, they denied me for a card flat-out just a few years ago, so in a weird way this is satisfying... I guess? Of course, if I had an immediate need for a balance transfer the 0% promo could be helpful, but then the card would be permanently relegated to the SD, and as I've mentioned before, "I don't want no scrubs..." 
I have my last 'baddie' aging off late this summer, so I will probably check back after that to see if the offer changes, if for no other reason than curiosity. Also, FWIW I use Wells as a 'secondary' checking account, so they only see a single $500 deposit each month (to avoid the monthly fee)... perhaps if I had significant deposits it would make a difference, but I doubt it.
Now I want to check but I'm not sure if you get these if the account is coded as business online. Anyone know?
@lindsaydruart wrote:Now I want to check but I'm not sure if you get these if the account is coded as business online. Anyone know?
It won't hurt to see... I once had a business checking account (it's now closed) and when I log in I still get all the offers for merchant processing as if I'm still a business customer.
I clicked the button on the left side of the screen (basically an ad) and it still gave me the pre-qual offer. 
No ads on the left side for me 