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Not a bad card.
If you can spare the inquiry, go for it.
If you can join NFCU, I would consider that also.
Within6 months to a year, you could probably get a flagship card as you 2nd NFCU cc.
GL!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
IMO chances are slim for that card for you with thin profile as they are very tight with that card. Although nothing ventured, nothing gained...only a HP or two
I'm not sure about Wells but many lenders want at least one year of history and you are awfully close. I would wait a minimum of a couple days after your 12 month mark.
@Anonymous wrote:
Hey guys! I’d like to get some advice on whether or not I should apply for the Wells Fargo Propel card! This credit card really fits my spending so it would be great to take advantage of the 3x categories, however, my file is quite thin. I have three credit cards. My oldest account is 11 months old, the second is 10 months and the third is only 2 months old. I know this would work against me, that is why I am looking for advice! Should I wait a bit longer to apply and if that is the case, how long should I wait?
Scores : TU: 735 EX: 721 EQ:???
Utilization: 1%
Income: 32k
By the way, I do have a “relationship” with Wells Fargo, I have both checking and savings account with them. Yes I know, Wells Fargo right haha but in all seriousness, would really appreciate any feedback and tips! Thank you in advance!
I am going to Vote on waiting 12 months. They are very conservative. While I started out with $15K limit,
that is not always the case with many. They just don't hand out the Propel like candy.
The longer you have been with WF as your main banking institution, the better odds you have.
They do take that into consideration. CLI's while they can be had are few and far between.
They won't budge on My $15K SL .. due to .. Too many new accounts/Inqs in the past year.
I spoke to UW about it, They might as well slapped my knuckles with a ruler.
I might ask again in another year
Hi OP
IMHO, I think your chances are slim to none because the AAOA is <8 mos. I suggest waiting until AOYA turns 12 mos. I suggest patience and putting a pause on seeking more credit ATM.
Are those FICO scores?
Also, what are the 3 cards you already have and the CLs? Are they secured, retail, or bank cards?
@CreditInspired wrote:Hi OP
IMHO, I think your chances are slim to none because the AAOA is <8 mos. I suggest waiting until AOYA turns 12 mos. I suggest patience and putting a pause on seeking more credit ATM.
Are those FICO scores?
Also, what are the 3 cards you already have and the CLs? Are they secured, retail, or bank cards?I
@CreditInspired Hey thanks for the input! Here are my "stats"
3 accounts
Discover It - 4k CL
Citi Secured - (already received a letter confirming account will unsecure which I will ask to product change to Citi DC) $400 CL
Chase Freedom - 3.8K CL
As you can see, these are all bank cards, and yes those are FICO 8 scores.