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Wells Fargo Platinum Credit Card

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chiefone4u
Established Contributor

Wells Fargo Platinum Credit Card

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

 

 Wells Fargo Platinum VisaWells 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

 

 

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
9 REPLIES 9
xaximus
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 770 +
TCL - Est. $410K
Message 2 of 10
19eighty5
Senior Contributor

Re: Wells Fargo Platinum Credit Card

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 3 of 10
Anonymous
Not applicable

Re: Wells Fargo Platinum Credit Card

Congrats

Message 4 of 10
Anonymous
Not applicable

Re: Wells Fargo Platinum Credit Card

Awesome! Smiley Happy

Message 5 of 10
Anonymous
Not applicable

Re: Wells Fargo Platinum Credit Card

Congrats on your approval !!!

 

 

Message 6 of 10
RonM21
Valued Contributor

Re: Wells Fargo Platinum Credit Card

Congrats on the approval


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 7 of 10
Anonymous
Not applicable

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.

Message 8 of 10
stonedog23
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.

NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($33,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($19,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , Citi Double Cash ($9600), Discover It Cash ($9000), Walmart MC ($8000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 766, TU 763, EX 753, FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
Message 9 of 10
chiefone4u
Established 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. 

Goodwill Saturation Technique
Starting Score: EQ:608, EX:617, TU:625
Current Score 3/11/2020: EQ:695, EX:703, TU:720
Goal Score: 740+
Take the myFICO Fitness Challenge
Discover IT $1000Cabelas Clasic $1000Coscto Anywhere Signature Visa -Citi- $7200ExxonMobil Smartcard -Citi- $2500Playstation Visa (Comenity) $1950QuickSilver One $2200Walmart $6000Wells Fargo Platinum Visa $3000
Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.
Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal: August 2022 and reach 0/24
Message 10 of 10
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