In 2021, during my Chapter 7 bankruptcy, I burned Wells Fargo (WF) for about $2,700. I had previously tried applying for a credit card with them but was declined. Recently, I noticed they launched a new credit card with perks I was interested in, so I decided to try their pre-approval tool. After a few weeks of consideration, I went for it and was approved! I'm excited to be back with Wells Fargo and look forward to this second chance. I received a decent starting credit line, and while the rate isn't great, I pay my balances in full monthly, so no worries. I also applied for my second Bread card, as I already have their 2% card option. WF pulled from Experian only, and while Bread Financial hasn't pulled anything yet, I expect the hard inquiry will show up within the next few days.
Credit Cards
Amazon Prime Store Card: $10,000 | Apple Card MC: $5,500 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $18,500 | Bread Rewards AmEx: $11,650 | Capital One Kohls Visa Sig: $5,500 | Capital One SavorOne WEMC: $30,000 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $10,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $9,000 | Truist Enjoy Cash Visa Sig: $10,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Cash+ Visa Sig: $10,000 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000
BCU Unsecured LOC 5k
BCU Auto Loan $16,559.00
Rebuilding since June 2021.
