WF Active Cash CLI

[AlanGJP]

Congrats!! Curious, did you call in for this?

I haven't put much spend on mine and haven't tried for a CLI since I barely use the card with so many giving me better rewards right now. (X1 is my primary right now during my 4X 30 days)

[CYBERSAM]

Congrats on your WF Active Cash CLI, nicely done!🤑👍👍

[NoMoreE46]

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@AlanGJP wrote:

Congrats!! Curious, did you call in for this?

I haven't put much spend on mine and haven't tried for a CLI since I barely use the card with so many giving me better rewards right now. (X1 is my primary right now during my 4X 30 days)

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@AlanGJP 

Yes with WF, requests are always via call in.  It is older school banking but still works.  

[everest]

Congrats on your WF Active Cash CLI! 🎉

For that phone call in, did you specifically request a SP CLI or did you tell them to go through with the request regardless? Don't have a WF card (or many others for that matter ) yet, but would be good to know just in case!

[NoMoreE46]

@everest 

Thanks

Wells Fargo will try via SP.  If that does not work then they'll specifically ask if you want to try a HP.

[NoMoreE46]

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@PNWRambler wrote:

Congrats on the CLI!  That is a decent limit, you should see a bump in your score for that.  And 0% interest is always a nice perk, but be careful with it!  

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Thanks @PNWRambler.

This increase probably won't  change my score/overall utility though.  I am < 3% now.  

[lovebackwards]

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@NoMoreE46 wrote:

Got a $7,000 SP increase. My limit is now $17,000.

I got this card in July 2021 and was denied an increase in December with a HP. 

Usually PIF, but had to carry $2,500 unexpectedly.  I will  have another $3,000 of repairs coming and wanted to leverage the 0% until November.

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Congrats on your increase! That's amazing!

[LADave]

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@NoMoreE46 wrote:

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@AlanGJP wrote:

Congrats!! Curious, did you call in for this?

I haven't put much spend on mine and haven't tried for a CLI since I barely use the card with so many giving me better rewards right now. (X1 is my primary right now during my 4X 30 days)

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@AlanGJP 

Yes with WF, requests are always via call in.  It is older school banking but still works.  

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Thanks for this info! After reading your post I realized it had been just over 6 months since I got the card. Since WF will be reporting to the credit bureaus within a couple of days on my account, I figured "why not" and gave them a call.

I asked for a $2,000 increase, which is less than 50% of my $4500 limit. After spending about 9 minutes on the phone I was declined, but the people I spoke with were pleasant.

After a payment today I'm at just under 39% utilization on the card (by far the highest in my portfolio), which I'm sure has something to do with the decline. Earlier I did some balance transfers, purchased some office equipment and did some car repairs that I'm still paying for, which is where the balance is from. The interest rate is still 0% through the end of the year, so I'm not in as much of a hurry to pay it off as I would be with any other card.

The only real benefit I'd get from a CLI right now is lower utilization and better FICO scores as a result. It's not a real disappointment.

[mgood]

Congratulations!

[CreditAggie]

Congratulations on your Active Cash CLI!