Is the wells fargo active cash cc bankrupt friendly?

[SUPERSQUID]

Experian keeps matching me with this card as the top choice with their card match.

[CreditAggie]

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@SUPERSQUID wrote:

Experian keeps matching me with this card as the top choice with their card match.

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I am not certain if Wells Fargo is BK friendly or not, but I will note that Experian "matches" are all marketing and are not an indicator of your chances of approval. 

[FinStar]

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@SUPERSQUID wrote:

Experian keeps matching me with this card as the top choice with their card match.

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Was WF included in any prior BK?

[SUPERSQUID]

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@FinStar wrote:

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@SUPERSQUID wrote:

Experian keeps matching me with this card as the top choice with their card match.

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Was WF included in any prior BK?

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No, not iibk. I never dealt with wells fargo

[Loquat]

I mentioned in a previous post recently that I've had success with Wells Fargo with a BK13 on my file. Things could have certainly changed but in the not so distant past, they were BK friendly.

[SUPERSQUID]

I read some posts on the  forum that said they are inq and new acct sensitive. but they were old posts. this card didnt exist back then plus this card has a wide range of introductory rates from low to pretty high which kind of tells me they can collar you with one of those high interest ones.

[Hex]

I was able to get a Propel card 3 years and 2 months after my chapter 7 was filed. I never burned Wells Fargo. Actually I'd never had any relationship with them. No deposit accounts either. initial limit was $4K and I'm up to $9.5K after several increase requests. 

[SUPERSQUID]

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@Hex wrote:

I was able to get a Propel card 3 years and 2 months after my chapter 7 was filed. I never burned Wells Fargo. Actually I'd never had any relationship with them. No deposit accounts either. initial limit was $4K and I'm up to $9.5K after several increase requests. 

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Thank you, thats very helpful info.

I also never burned wf or had any relationship with them.

its a card to consider for me once i get my inqs down.

[NoMoreE46]

I got my Propel  in 2018 and Active Cash a few months ago.  

My BK was in 2013 and WF was not IIB.

I started my relationship with WF via a car dealership auto loan in 2017. 

[Oops_I_Did_It_Again]

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@CreditAggie wrote:

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I am not certain if Wells Fargo is BK friendly or not, but I will note that Experian "matches" are all marketing and are not an indicator of your chances of approval. 

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Hi @CreditAggie 

Just my 2 cents & not intending to hijack the thread...

+1 in the sense that EX is making money from "referral links" which biases recommendations...but... the card matching tool has some subtlety  and might be able to determine if a BK on file would be disqualifying for certain lenders.  I wouldn't write off the OPs taking away something from Experian recommending the WF Active Cash card. 

I've used this service for a couple years, and I think the service does a good job of applying the 'rules' that lenders have and consistently presents only those cards where one wouldn't  be shot down immediately by UW rules.

I agree completely Experian's matching tool isn't providing pre-screened offers on behalf of the CC lender.  It's just presenting 'cultivated collection' of CC referral links from the small set of banks with which it contracts, i.e., options that are 'somewhere in the ballpark' based on the  user's credit report.