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Wells Fargo soft pull CLI approved

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user979797
Established Contributor

Wells Fargo soft pull CLI approved

Its been about 6 months since i last applied to increase the limit on my Wells Fargo card so i decided to call in and request again. I asked for a 5k limit increase and they countered with a 1,900k limit increase which i accepted. My new limit is now 11,900 on my active cash card.

 

I took advantage of 2 balance transfer offers which put utilization at over 50% on two cards and that has lowerd my score about 40 points so i bet that is why i didn't get the full amount i requested but i am still very happy with the results. Current scores are all hovering around 680 on all 3 reports. In 6 months i should have those balances paid down below 30% on each card ,which should greatly increase my score, so i will try again then and report my new scores and how much more they give at that time. 

 

Wells Fargo has never turned down a CLI request i have made since i have had the card so i'm very pleased. Woo hoo! Smiley Happy Smiley Happy Smiley Happy 

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10 REPLIES 10
Creditwiser
Valued Contributor

Re: Wells Fargo soft pull CLI approved

Very nice. Congrats on your SP CLI !

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 30k | Delta Gold Amex 40K | Discover IT 25K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |
Message 2 of 11
Rebuild2019
Valued Contributor

Re: Wells Fargo soft pull CLI approved

Congratulations on your CLI @user979797 


CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 3 of 11
coreyb80
Super Contributor

Re: Wells Fargo soft pull CLI approved

Congrats on the increase!

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cashorcharge
Community Leader
Super Contributor

Re: Wells Fargo soft pull CLI approved

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Message 5 of 11
CreditAggie
Community Leader
Super Contributor

Re: Wells Fargo soft pull CLI approved

Congratulations on your Wells Fargo CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (July 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

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JtAlmond
Valued Member

Re: Wells Fargo soft pull CLI approved

Congrats on the CLI.  I was HP'd one my first CLI on my Autograph Card but SP'd on my 2nd requested increase.  I made my request after one year after both an Active Cash and the Autograph card I was admin'd product change.  
On my second CLI request I had to travel some 30 miles to  a walk in branch to show ID in person for verification purposes.  I don't have a relationship with Wells other than my Auto g card.

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Satoshi_inu
New Member

Re: Wells Fargo soft pull CLI approved

Just did a credit limit increase for My wells fargo reflect from 13k to 17.5k. Got a alert from Wells fargo credit monitoring stating a new inquiry. It was a hard pull on expirian. No mention that I can recall stating a hard pull will initiate for the increase. Nothing on Trans nor equfax. Pulled from from s. Florida on a Sunday after noon.

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user979797
Established Contributor

Re: Wells Fargo soft pull CLI approved

@Satoshi_inu Yes I have been told they now require hard pulls for increases. And I believe I read the warning about this when I clicked on the increase request both online and through the app. I got my soft pull increases through customer service by calling them and I asked if there would be a hard pull or not and all of mine were soft pulls but I've been told even calling now requires a hard pull. Just fyi. 

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Total_Synergy
Regular Contributor

Re: Wells Fargo soft pull CLI approved

Congrats on the CLI @user979797 .  I will be exploring a WF CLI in a couple weeks to accomodate a BT offer I received in the mail.  Like many, I've heard they went back to HPs but perhaps I can get a SP increase (?).  I will report back a DP either way... 

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Issuers; $0 AFs; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 1+ Card on Amex/MC/Visa networks; 1+ Card with 0% Foreign Transaction Fees; $0 AFs; Team Cashback]:
                RIP:
* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!
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