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Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

jazzyvar84
Regular Contributor

Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Well, I just applied for a Wellsfargo credit card. It says pending and they will contact me for more information. My utilization is currently 17%. They pulled Experian (677). A collections account popped up, but I’m working on it. What is the pending about???? Please help! Will I get the card???


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32 REPLIES 32
Jnbmom
Community Leader
Super Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Pending could mean they are doing a manual review, but honestly if you had a recent collection pop up it could be a denial.
EXP 771TU 786 EQ 756
Message 2 of 33
jazzyvar84
Regular Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

The collection has been there a little over a year.


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Message 3 of 33
CS1974
Valued Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Which Wells Fargo card did you apply for? The propel?

Manual reviews aren’t always a bad thing... could just be verification... good luck though!

Oh btw, even if you can’t get a PFD with the collection at least get it paid off. 👍
July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 4 of 33
jazzyvar84
Regular Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Last thing. What kind of verification???? I’m lost.


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Message 5 of 33
Gmood1
Community Leader
Super Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Normally it's to verify your identity. They'll call if that's all you need for approval.
If more is needed, they'll mail the request to you.
Message 6 of 33
Jnbmom
Community Leader
Super Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

In your previous Lowe’s thread you said you were trying for a home mortgage soon correct?

Not sure why you are applying for another card?

EXP 771TU 786 EQ 756
Message 7 of 33
jazzyvar84
Regular Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Because I’ll be waiting 12 months after this, sooooo I’ve decided to do an app spree, and it is HEAVEN!!!! Lol


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Message 8 of 33
jazzyvar84
Regular Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Also, I did a major balance transfer from a card that I was an authorized user on, so when the transfer hits my report, I’m praying that all the new approvals are enough to keep my utilization close to 17%!!!! If that makes sense to you.


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Message 9 of 33
Jnbmom
Community Leader
Super Contributor

Re: Wellsfargo Pending.....WHY???? 😌🤷🏾‍♂️ 🤔

Yes lower utilization will help your scores, but I hope you realize adding new accounts will lower your average age of accounts that can lower your scores.
EXP 771TU 786 EQ 756
Message 10 of 33
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