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WF Platinum Approved - Question about product change

add409
New Member

WF Platinum Approved - Question about product change

I kept getting a pre-approved/invited to apply (can't remember which exactly) message on the WF app. Was messing around on the app and was approved for 6k. I use WF checking to seperate business/personal finance and it does make sense to have a seperate CC for that but wasn't looking at WF as an option so hadn't researched their cards. Anyhow, after approval I was looking on their site and realized the platinum doesn't have many benefits. 0% interest for 18 months is nice but I don't have many large business expenses at the moment, or coming up, so I won't get to utilize 0% much. Their Active Cash with 2% is more appealing. I haven't received the card yet but was wondering if anyone has experience with a product change at WF right after approval?

Message 1 of 12
11 REPLIES 11
coreyb80
Valued Contributor

Re: WF Platinum Approved - Question about product change

Congrats on the approval!

Message 2 of 12
CreditAggie
Senior Contributor

Re: WF Platinum Approved - Question about product change

Congratulations on your Wells Fargo approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 3 of 12
FalconSteve
Established Contributor

Re: WF Platinum Approved - Question about product change

  1. Congrats on the approval
  2. I'd call to ask
SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $6300 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)
Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Credit Scores for both of us around 800, depending on what you pull & balances

All PIF, frequently before statement close
Goals: Buy a house & get approved for an AOD VISA Signature card (or other 3% cashback), $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes Charge, my 1st REDcard, Buy.com Visa, Children's Place, Kohl's Charge, Angel Card (AU- wife's), Old Navy card
Message 4 of 12
Rebuild2022
Super Contributor

Re: WF Platinum Approved - Question about product change

Congrats. Call and ask for the product change. They might do it.

Gardening since 08/2020
Message 5 of 12
Total80sKid
Valued Contributor

Re: WF Platinum Approved - Question about product change

Congrats on your WF Platinum approval 👍🏼

Message 6 of 12
M_Smart007
Epic Contributor

Re: WF Platinum Approved - Question about product change

Congrats on your WF Plat. approval.

Message 7 of 12
gdale6
Moderator

Re: WF Platinum Approved - Question about product change

Grats on your Wells Fargo approval Smiley Happy

Message 8 of 12
Elpadrino1
Frequent Contributor

Re: WF Platinum Approved - Question about product change

Congratulations on your approval!! 

Message 9 of 12
TG10X
Regular Contributor

Re: WF Platinum Approved - Question about product change

Congrats on your approval!

 

which bureau did they pull from?












Message 10 of 12
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