Wells Fargo Autograph 50% CLI

[nytokyobred79]

Congrats on your Wells Fargo Autograph approval. 

[jibc1978]

congrats on the CLI!

[Jordan23ww]

Congratulations on your limit increase!

[Aeon]

Thank you everyone. As I said, I wouldn't have known that a self-initiated CL was even possible without this forum. 

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@LADave wrote:

Congratulations on your 50% CLI with Wells Fargo!

In my experience, WF likes to see heavy use on their cards, followed by paying it off. My Autograph was stuck at $1700 until I paid it off in full and was granted a 3X CLI that I was previously denied for, taking the card to $5100. I had taken my time to pay it off since it was in a 0% APR period, but they liked me even more when I paid it off. 😂

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This is good to know. Unfortunately, my spend is so low relative to my CLs that heavy use won't be possible until my income and expenses increase substantially. Working on the income part, and time will tell on the spending part. 

[Yasselife]

Congratulations 

[cashorcharge]

WooHoo!! Congratulations on your Wells Fargo Approval!!👏🏼🍾🥂

[JtAlmond]

I charge up the ying yang on their Autograph card collecting rewards for gas and restaurants occasional hotels.  I go to one of my ample accounts that are attached to the site to pay them off when it says my minimum is due.  Instead of paying the minimum of $25 I pay my balance off on that date.  Occasionally something like a $20 charge will pop up next day after that so I check out the due date on the Wells payment calendar.  I see the due date on that one was a couple days ago so I pay that off as well.  Come bureau reporting day Wells turns in a zero balance sometimes the site even reads a negative balance = 0.  My credit card is merely a payment chit certainly not a source of spending money.  I have an aversion to cash using it only at the dispensaries as a matter of current law. I have a $3100 SL on my Autograph card which was upped from $2500, at my request, after a year of 100% all over.  I don't need but a $500 card or a $300 card really because I diligently pay up when ordered to.  I got by the card even  the CLI last year while having no existing relationship with Wells Fargo.  Just a few days ago the Wells Fargo algos got hinky when it was reading my charging was up 5% from a 0.38% so I was requested to update my income.  I saw they still had a figure from 2 or 3 years ago so update I did giving about a $10,000 higher figure than the last.  I see these forums whip up a need for a CLI and read about the betrayals these users feel when denied.  I can't figure out for the life of me why there is such a need for a CLI.  Granted there are other choices riding in my wallet that'll cover the bigger charges than a $500 card could handle.  I guess my particular circumstances dictate my CC use.

[JtAlmond]

How do you verify income with Wells Fargo??  My reported income,  that came from somewhere other than me says I collect SSI.  I have no idea where this comes from.  I tried to update this but for some reason my effort was unsuccessful.
The Wells Fargo app I use for my Autograph card says I've been a customer since 2004 is false I have never been a customer up until I started with the Active Cash card in 2022.  Why would they report I've been a customer since 2004 when I haven't been?? There were phone numbers and other information also on the app that wasn't mine either.   I had to correct all that when I got started with my own doings with Wells Fargo in 2022.

My problem is what Wells Fargo believes the income reported to them is presumed to be correct not what I merely tell them I earn.  How did you verify your income??

[LADave]

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@JtAlmond wrote:

How do you verify income with Wells Fargo??  My reported income,  that came from somewhere other than me says I collect SSI.  I have no idea where this comes from.  I tried to update this but for some reason my effort was unsuccessful.
The Wells Fargo app I use for my Autograph card says I've been a customer since 2004 is false I have never been a customer up until I started with the Active Cash card in 2022.  Why would they report I've been a customer since 2004 when I haven't been?? There were phone numbers and other information also on the app that wasn't mine either.   I had to correct all that when I got started with my own doings with Wells Fargo in 2022.

My problem is what Wells Fargo believes the income reported to them is presumed to be correct not what I merely tell them I earn.  How did you verify your income??

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I'm not aware of any banks that actually verify income unless there's something that appears to be incorrect. They'll generally take your word for whatever number you provide. You're contractually obligated to give a number that's based in reality, of course. 😉

In almost every situation, if a bank ever asks for information to verify your income - like requesting IRS information, or bank statements - then something appears suspicious to them or you've triggered an algorithm that requires them to check.Some banks (like Discover) appear more likely to ask for income verification than others.

As to the year that you joined, Wells Fargo should be able to help you correct that. In my case, I was on a WF joint checking account long before I did any substantial amount of banking with them. Perhaps someone added you to their WF account back in 2004?

[CorpCrMgr1]

Did you call the phone number from the app? Could a relative at an address where you lived possibly had a WF card and/or been on SS?

Do you live be near a branch?  You may wish to visit. Is there a place on the WF site to update information?