Wells Fargo Propel Customer Service

[Anonymous]

I will source my WF Propel Denial: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Wells-Fargo-Propel-Customer-Service/m-p/59...

I just wanted to know if it's a lost cost to even try for the card. With all the RECON and HP I am trying for this card, it's literally destroying me. 

I established a savings account just today with the company, not sure it will help. The account is not where I will do my primary banking and the account wasn't originally for the card

I just wanted something to at least get 3% in most other categories. A middle ground between my Discover card and Citi. That isn't the AOD, because trust me I tried my hand on that already. One more card before I will sink in the garden and save me from pulling my credit lol. 

DPs 
They pull from EX
11 HP in 2020 (I need to be stopped), 5 for WF 
608 EX 

Recent Inq for WF is 04/26/20
UTL is 1%

Open Cards

Discover IT (Its PC soon): 01/2020

Citi DC: 02/2020

Best Buy Store Card: 04/2019

PayPal Credit: 04/2019

CU Card: 07/2018

[Anonymous]

Anecdotally, I spoke with someone on my app status yesterday and they said they like to see 2-3 years history with at least 2-3 cards and credit mix/variety. She sounded pretty hard pressed on that credit experience.

From looking at other posts, they seem to not like credit seeking.

Also every time you apply within a 60 day rolling period, it resets the 60 day timer, and so you'd have to call in for a manual review, if you apply to often.

Might be better off with another card like SavorOne, and apply for propel later when the profile is stronger.

[RehabbingANDBlabbing]

I applied the other day for this card. My Experian was frozen, so they pulled Equifax. I was denied for too many new accounts with a FICO score of 803. They are very conservative with this card, so you might have to wait a while before applying. I think they are also new account sensitive, so please keep that in mind.

[mumbogray]

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@Anonymous wrote:

I will source my WF Propel Denial: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Wells-Fargo-Propel-Customer-Service/m-p/5958173#M259817

I just wanted to know if it's a lost cost to even try for the card. With all the RECON and HP I am trying for this card, it's literally destroying me. 

I established a savings account just today with the company, not sure it will help. The account is not where I will do my primary banking and the account wasn't originally for the card

I just wanted something to at least get 3% in most other categories. A middle ground between my Discover card and Citi. That isn't the AOD, because trust me I tried my hand on that already. One more card before I will sink in the garden and save me from pulling my credit lol. 

DPs 
They pull from EX
11 HP in 2020 (I need to be stopped), 5 for WF 
608 EX 

Recent Inq for WF is 04/26/20
UTL is 1%

Open Cards

Discover IT (Its PC soon): 01/2020

Citi DC: 02/2020

Best Buy Store Card: 04/2019

PayPal Credit: 04/2019

CU Card: 07/2018

---

what 3% categories are you after?  It's a nice well rounded card, but its not the only 3%er.

DP for you: I was denied 11/18 when my credit was 3-4 years old, during an app spree.  Opened a checking  through them a month later (got a bonus!).  Applied again 5 months later and denied again for too many new accounts.  I switched my DD to WF and made sure to keep $5k+ in the account at all times.  Around 11/19 got a pre-screener in my online account with a set APR.  Applied and approved, and its my highest limit.  I was 1/12 and 4/24, 765ish EX.

They seem to approve thin files as the 2nd or 3rd card occassionally when there is no credit seeking, or you have had an account with them for a while.  Once your credit report has a few accounts on it, they tighten up.

[kdm31091]

Well is conservative, does not like credit seeking, tends to prefer a relationship (it's not required, but it seems to matter more to them than most banks), and is just not that easy to get in with.

That said, I would not burn an excessive amount of apps on this card. There are plenty of very similar cards out there.

[Anonymous]

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@mumbogray wrote:

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@Anonymous wrote:

I will source my WF Propel Denial: https://ficoforums.myfico.com/t5/Credit-Card-Applications/Wells-Fargo-Propel-Customer-Service/m-p/5958173#M259817

I just wanted to know if it's a lost cost to even try for the card. With all the RECON and HP I am trying for this card, it's literally destroying me. 

I established a savings account just today with the company, not sure it will help. The account is not where I will do my primary banking and the account wasn't originally for the card

I just wanted something to at least get 3% in most other categories. A middle ground between my Discover card and Citi. That isn't the AOD, because trust me I tried my hand on that already. One more card before I will sink in the garden and save me from pulling my credit lol. 

DPs 
They pull from EX
11 HP in 2020 (I need to be stopped), 5 for WF 
608 EX 

Recent Inq for WF is 04/26/20
UTL is 1%

Open Cards

Discover IT (Its PC soon): 01/2020

Citi DC: 02/2020

Best Buy Store Card: 04/2019

PayPal Credit: 04/2019

CU Card: 07/2018

---

what 3% categories are you after?  It's a nice well rounded card, but its not the only 3%er.

DP for you: I was denied 11/18 when my credit was 3-4 years old, during an app spree.  Opened a checking  through them a month later (got a bonus!).  Applied again 5 months later and denied again for too many new accounts.  I switched my DD to WF and made sure to keep $5k+ in the account at all times.  Around 11/19 got a pre-screener in my online account with a set APR.  Applied and approved, and its my highest limit.  I was 1/12 and 4/24, 765ish EX.

They seem to approve thin files as the 2nd or 3rd card occassionally when there is no credit seeking, or you have had an account with them for a while.  Once your credit report has a few accounts on it, they tighten up.

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Basically a well-rounded card. The reason why I choose the Propel is that it has benefits and its 3% categories. 

I will then have to sit on that savings account then. It would seem. 

[Anonymous]

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@Anonymous wrote:

Anecdotally, I spoke with someone on my app status yesterday and they said they like to see 2-3 years history with at least 2-3 cards and credit mix/variety. She sounded pretty hard pressed on that credit experience.

From looking at other posts, they seem to not like credit seeking.

Also every time you apply within a 60 day rolling period, it resets the 60 day timer, and so you'd have to call in for a manual review, if you apply to often.

Might be better off with another card like SavorOne, and apply for propel later when the profile is stronger.

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Explain a little bit about that manual review. 

I was looking at the Savor One, it's broad but doesn't include travel which what drew me to the Propel in the first place. Should I wait till my CU card hits its 24 and just go into Chase Prefered? That AF though haha.

[mumbogray]

If I could do it over again, I would probably put that amount of effort into getting the NFCU more rewards Amex.  Similar rewards structure, but grocercies instead of online streaming services.  You also lose the 3% on flights and hotels, but keep it on gas and ground transport.  Everyone around here loves them, unlike WF.

As someone mentioned the SavorOne also has a similar rewards structure.  PNC also has a 4 3 2 1 card.  If you are set on the WF, you will want to put in at least a few k with your banking relationship.  A while ago, posters were getting denial reasons citing their low banking balances.  

Edit: also IMO WF falls short in their travel benefits.  They cover lost bags, but not delays or cancellations.  3x trains and taxis is great though.

[Anonymous]

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@mumbogray wrote:

If I could do it over again, I would probably put that amount of effort into getting the NFCU more rewards Amex.  Similar rewards structure, but grocercies instead of online streaming services.  You also lose the 3% on flights and hotels, but keep it on gas and ground transport.  Everyone around here loves them, unlike WF.

As someone mentioned the SavorOne also has a similar rewards structure.  PNC also has a 4 3 2 1 card.  If you are set on the WF, you will want to put in at least a few k with your banking relationship.  A while ago, posters were getting denial reasons citing their low banking balances.  

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The NFCU is the poster child of these forums. Trust if it weren't for the membership requirements I would have established it with them already. Now the PNC card I don't hear that often, sadly its major category I don't use the gas. Is my only option the Savor One Card?

[CYBERSAM]

No app, no new CCs for 2 years and by then have your utli low, then you'll get it.

They denied my app for adding 3 accounts this year. That was their number one issue. They told me that they want to see good history on new accounts! 🙄 How you suppose to show history on a new account? lol

Go to garden and vist them when ALL of your inqs are gone as of now.