cancel
Showing results for 
Search instead for 
Did you mean: 

Wells Fargo Platinum Credit Card

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Regular Contributor

Wells Fargo Platinum Credit Card

I decided to apply for the Wells Fargo Platinum Visa card on December 1st.

 

 WF.jpegWells Fargo Platinum Visa

I received a message that they needed to verify additional information and I would receive a response or card in the mail in 5-7 days (standard pending message from what I've read after applying). Monday December 3rd Wells Fargo called and left a message for me to call them while I was at work (suprisingly enough, they were closed when I got home).

 

Tried calling Tuesday 12/4 and was told I had to be home to receive a code from them to verify I was me.

 

So I go home, go through the verification process and they tell me they will send it to the underwriters and I'd have an answer in 24 hours or less.

 

24 hours pass, I call to see what's going on with the account and it say's "Denied, unable to verify identity you'll receive written notification in 7-10 days" then it connects me to a CSR automatically (strange?). Again I verify myself. APPROVED $3,000!! if only she'd have been able to tell me if I qualified for the 0% APR for 18 months (Edit: 0% for 18 months purchase & BT was offered to me) or what my APR is/was.

 

*Edit*

Forgot to add DP's --

Pulled Experian - (MyFico Fico8 - 696)

--Experian Report--

3 late payments (Chase charge off from 2012)

Revolving Utilization  14%

Accounts With Balances 23

Revolving Account Balance    $11,037

AAoA 2yrs 7mo

37 Inqs last 12 months

newest account less than 1 month

 

 

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 7/7/2019: EQ:705, EX:672, TU:694
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Chevron $1250Coscto Anywhere Signature Visa -Citi- $5500Conoco $2500ExxonMobil Smartcard -Citi- $2500CareCredit $15000Napa EasyPay (Car Credit) $5000Playstation Visa (Capital One) $750QuickSilver One $2200Sony Financial $2000Walmart $6000Wells Fargo Platinum Visa $3000
9 REPLIES 9
Valued Contributor

Re: Wells Fargo Platinum Credit Card

Congrats on the approval! WF has been known for it's confusing verification/approvals.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 2 of 10
Senior Contributor

Re: Wells Fargo Platinum Credit Card

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 10
Frequent Contributor

Re: Wells Fargo Platinum Credit Card

Congrats







Biz Cards
Message 4 of 10
Valued Member

Re: Wells Fargo Platinum Credit Card

Awesome! Smiley Happy

Message 5 of 10
Senior Contributor

Re: Wells Fargo Platinum Credit Card

Congrats on your approval !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 6 of 10
Valued Contributor

Re: Wells Fargo Platinum Credit Card

Congrats on the approval
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 7 of 10
Frequent Contributor

Re: Wells Fargo Platinum Credit Card

Congrats on your approval, and thanks for sharing your info - way to go!

 

I'm contemplating applying as well. Recevied a pre-qual note via e-mail and USPS mail. I've been a checking acct customer for just over a year.



Current Scores Jul 2019 – FICO 8
Message 8 of 10
Frequent Contributor

Re: Wells Fargo Platinum Credit Card

Chief, I don’t believe you have to qualify for the no interest for 18 months, it’s a feature of the card.

PenFed Power Cash ($20,000), NFCU GoRewards Sig ($18,000), PNC Cash Rewards ($15,500), PNC Cashbuilder ($15,000), NFCU CashRewards Sig($12,000), Ebates Platinum VS($10,000), Paypal 2% MC($7700), Wells Fargo CashWise($7000), Amex BCE($6000), Amex ED($6600), Synchrony Financial ($25,000), BBVA Clear Points ($3800), Amex Cash Magnet($2000), Walmart MC($8000), Fifth Third Truly Simple ($4000), BB&T Spectrum Cash Rewards($4500), BB&T Bright Card($4500), CapOne Quicksilver($1500), JCP($10,000), Care Credit($15,000), RoomsToGo($11,000), US Bank Cash 365 ($2500), US Bank Cash+ ($1,000), Wayfair($11,000), HSN($8000), Overstock($11,850), Lowe’s ($25,000), Trek Card($4250), WF mortgage 195K Fico 8: EQ 700, TU 709, EX 712, AAoA-86 months, AoOA-23 years, Fico 9: EQ 734, TU 737, EX 713
Message 9 of 10
Regular Contributor

Re: Wells Fargo Platinum Credit Card


@stonedog23 wrote:

Chief, I don’t believe you have to qualify for the no interest for 18 months, it’s a feature of the card.


You are probably correct stonedog. When I received my card it said 0% apr for 18 months for purchases and balance transfers. Afterwards the APR will be 18.49%.

 

The paperwork that came with the card also stated that you can only get one credit product every six months, and 0% apr bt  cards every 15 months. It's nice they spell it out for their customers so we aren't wasting HP's for no benefit. 

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 7/7/2019: EQ:705, EX:672, TU:694
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Chevron $1250Coscto Anywhere Signature Visa -Citi- $5500Conoco $2500ExxonMobil Smartcard -Citi- $2500CareCredit $15000Napa EasyPay (Car Credit) $5000Playstation Visa (Capital One) $750QuickSilver One $2200Sony Financial $2000Walmart $6000Wells Fargo Platinum Visa $3000
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.