Good megathread on WF Autograph Approval/Denials?

[KillingThemGingerly]

I am very much interested in applying for the WF Autograph later this year. I have no had a WF product in the past and from what I am to understand, they can be tricky with approvals. It seems like some get denied for too much un-used credit across cards while perplexingly others get denied for too much useage across cards (even when that usage is fairly nominal). I also don't have a prior WF relationship at all which I understand can make approval even trickier. 

Is there a good megathread showing people's data points for approval/denial? I searched but was unable to find a megathread on here about it. 

(fwiw I make 90k a year with an overall fico score around 795, 4 new credit accounts within the past year). 

[FireMedic1]

With a score of 795 I'd just go for it. Your Bankcard 8 is probably higher. 760+ is just as good as 800. A HP isnt going to touch you much. But thats just me.

[simplynoir]

Best bet is searching the approvals section for people who were successful and credit card applications for any reported denials. From a quick search myself on approvals it seems to be not many posted but that doesn't mean it's hard to get approved since it's still a fairly new card. You will just have to gather data points and make that determination yourself after whether to apply or not

[KillingThemGingerly]

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@simplynoir wrote:

Best bet is searching the approvals section for people who were successful and credit card applications for any reported denials. From a quick search myself on approvals it seems to be not many posted but that doesn't mean it's hard to get approved since it's still a fairly new card. You will just have to gather data points and make that determination yourself after whether to apply or not

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My largest concerns are not having any relationship with WF and having about 15 open credit accounts already. I hear they can be weird about both things. 

[FireMedic1]

You might be right about the relationship. They denied me and no HP was performed. I had a judgement back in the early 90's with them. Paid mid 90's? No go.

[KillingThemGingerly]

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@FireMedic1 wrote:

You might be right about the relationship. They denied me and no HP was performed. I had a judgement back in the early 90's with them. Paid mid 90's? No go.

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Wait they denied you without doing a HP at all? That is very strange and I have not heard of this!!

I know to get a WF credit card, having a pre-existing relationship with them isn't required but I do think it helps with getting approved or a higher CL if you are approved. I'd hate to apply and be approved for only like 1k because the whole reason I want the card is the 3% on travel. 

[Cashbackjunky]

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@KillingThemGingerly wrote:

I am very much interested in applying for the WF Autograph later this year. I have no had a WF product in the past and from what I am to understand, they can be tricky with approvals. It seems like some get denied for too much un-used credit across cards while perplexingly others get denied for too much useage across cards (even when that usage is fairly nominal). I also don't have a prior WF relationship at all which I understand can make approval even trickier. 

Is there a good megathread showing people's data points for approval/denial? I searched but was unable to find a megathread on here about it. 

(fwiw I make 90k a year with an overall fico score around 795, 4 new credit accounts within the past year). 

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Score around 800? I'd go for it, if I were you.

Honestly, my WF card (has been PC'd a few times and is now an Autograph) was my first card.

They started me at $1,900 - no credit history whatsoever.

Obviously YMMV but assuming you don't have any derogs, I'd apply. Keep us posted if/when you do apply

[KillingThemGingerly]

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@Cashbackjunky wrote:

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@KillingThemGingerly wrote:

I am very much interested in applying for the WF Autograph later this year. I have no had a WF product in the past and from what I am to understand, they can be tricky with approvals. It seems like some get denied for too much un-used credit across cards while perplexingly others get denied for too much useage across cards (even when that usage is fairly nominal). I also don't have a prior WF relationship at all which I understand can make approval even trickier. 

Is there a good megathread showing people's data points for approval/denial? I searched but was unable to find a megathread on here about it. 

(fwiw I make 90k a year with an overall fico score around 795, 4 new credit accounts within the past year). 

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Score around 800? I'd go for it, if I were you.

Honestly, my WF card (has been PC'd a few times and is now an Autograph) was my first card.

They started me at $1,900 - no credit history whatsoever.

Obviously YMMV but assuming you don't have any derogs, I'd apply. Keep us posted if/when you do apply

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I'm going to wait until December because I want to purchase some plane tickets around then and that'll put a dent in the required spend to get the $300 sub + the 3% for travel.