WELLS FARGO BILT MC INSTANT APPROVAL FOR 30K

Jeffster1 · ‎10-21-2022

Well...this was a shock...Got bored at 0100 and was checking out the Wells Fargo BILT MC. I had no plans to apply for anything but got kinda drawn in. It was more of an experiment because I assumed WF hated me.

Instant approval for $30K.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K 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 Citi Costco Anywhere Visa 10.2K 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 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K 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 Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

sznthescore · ‎10-21-2022

Congratulations! Nice big $30k experiment you obtained during late night boredom! 🎉 😛

REBUILDER CARDS

12/25 | SL $500; 5% Cell Phone & FastFood

Goal: FICO 700+

Jeffster1 · ‎10-21-2022

@sznthescore wrote:
Congratulations! Nice big $30k experiment you obtained during late night boredom! 🎉 😛

@sznthescoreThanks! Truly a shock to me. I guess sometimes being bored is a good thing! Hopefully. My DP helps others who are interested I assumed they would pull EX, but they didn't. I don't know yet who they pulled. I'll update as soon as I get rhe notification.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K 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 Citi Costco Anywhere Visa 10.2K 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 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K 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 Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

FireMedic1 · ‎10-21-2022

Congrats. DP's please. Who was pulled and scores? FICO 8, 9 , Bankcard?

BK Free Aug25

Jeffster1 · ‎10-21-2022

@FireMedic1 wrote:
Congrats. DP's please. Who was pulled and scores? FICO 8, 9 , Bankcard?

@FireMedic1 Thanks! I don't know who they pulled yet. I'll update as soon as I find out.

As of today, my scores are:

FICO 8:

EX 711

EQ 716

TU 701

FICO 9:

EX 730

EQ 736

TU 750

I'll update with who they pulled as soon as I find out.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K 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 Citi Costco Anywhere Visa 10.2K 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 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K 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 Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

Yasselife · ‎10-21-2022

Congratulations on your WF approval 🥂 @Jeffster1

Stealth-1 · ‎10-21-2022

Congrats @Jeffster1. Boredom helped you score a nice $30K SL card. 💪

Navy Federal Cash Rewards Signature Visa: $30,000

Navy Federal Flagship Rewards Signature Visa: $25,000

Navy Federal More Rewards American Express: $25,000

Synchrony Premiere World Mastercard: $18,000

American Express Blue Cash Preferred: $5,000

American Express Blue Cash Everyday: $30,000

Navy Federal Checking Line of Credit: $15,000

Bank of America Cash Rewards World Mastercard: $35,000

Wells Fargo Rewards Signature Visa: $17,500

"If you don't stand for something, you might fall for anything."

RealEstateGuy89 · ‎10-21-2022

@Jeffster1

Congratulations on the Bilt card! It comes in some sleek packaging and is a metal card. Very nice SL too!

raisemysc0re · ‎10-21-2022

Congrats on the approval and great SL!

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):

nytokyobred79 · ‎10-21-2022

I love your successful experiment 😅

Fabulous result 😝

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- about $240K | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Savor(pc’d from Venture Rewards)- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
U.S. Bank Shield Visa SL: $500, successfully manually reconned to $15K