Speaking from personal experience I disagree with the responses thus far. I no longer have the card and haven't had it recently, but I used to have it and I liked it.
I got the card years ago before I was monitoring my credit score. So I don't know what my score was when I applied, and I guess maybe it was better than I think, but I got it as a starter/rebuild card, not with a strong portfolio of established accounts. Again, I don't know for sure since I wasn't actively monitoring, but I think I got the card at one of the lowest points in my credit history, and I didn't have trouble being approved. So I think you'd have a good shot at getting it.
Regarding the card itself, the best feature was extended 0% financing on qualifying purchases. As I recall they had a 0% option for either 6 months, 12 months, or 18 months depending on the size of the purchase. I can happily report that I never paid them a dime in interest. I made it a high priority to always pay whatever balance I was carrying in full before the 0% financing period expired. As I recall the statements also made it easy to keep track of how long you had left on various different charges. Like you might see one balance on your statement of $857.12 with 11 months of 0% financing remaining, and a second of $531.20 with 7 months of 0% financing remaining, and a third of 126.98 with 2 months of 0% financing remaining, etc. I just remember being pleased with the transparent, easy-to-understand way each balance was documented. Unfortunately I can't recall with certainty how they applied payments. I think maybe the minimum payment was distributed proportionally and then anything over the minimum went to the balance with the 0% period expiring soonest, but don't hold me to that; I may be misremembering.
I'm pretty sure that if a 0% balance isn't paid in full before the promotional period ends you'll owe retroactive interest on the full balance - not the smaller remaining balance. So definitely make paying it off during the promo period a priority if you get the card and take advantage of this feature. Also, I've read complaints of Wells Fargo taking awhile to process payments and then charging late fees. This was never an issue for me because I always made multiple payments for more than the minimum every statement cycle, which is my general method of handling bills (For example I always prefer to do something like make weekly payments of $125, rather than a single $500 payment near the due date). Anyway, just something to be aware of. I personally think it's a good idea to pay well advance with all cards/lenders, but based on what I've heard I'd make it a particular point to do it with this card if you get it.
Anyway, I found the financing option quite useful back in the day when money was tight and my shopping more impulsive. Nowadays, I'd rather pay with a rewards card and then PIF during the grace period, but as far as financing options go I found the Microcenter card from Wells Fargo quite handy.
As a final disclaimer I don't have the card anymore and haven't had it recently. So I don't know if or how much anything has changed since I did have it. I had a good experience with the card and found it to have easy underwriting standards, but of course that's no guarantee others will have the same experience.
Best of luck and let us know what you decide!
