Through your checking account... but not through your 1k Autograph? They won't see a need to give you a higher limit unless you're using the limit you have, heavily and frequently. That's pretty common.
Sock - 
Chopping Block - 
Debit Cards - 
@Seat2a wrote:After raising my NFCU Flagship from 20K to 28K and scoring a NFCU More Rewards 25K CL and after waiting for 6 full statements to be completed on my WF Autograph, I went into a WF branch and had them do a CLI as I have a paltry 1K CL. The response from the rep's call was "you'll get a letter in the mail", however, the rep said she wouldn't worry because "I'm sure you'll get what you asked for or thereabouts which was 10K CLI. Yesterday the letter came with an "Insufficient experience with present account" excuse. I've funneled thousands of dollars through my WF four year old checking account. So much for relationship banking. I'm thinking of closing my checking account and moving to BofA.
FICO 8 760+, no BK, no baddies, AoA 1.8 years, Auto loan about 50% paid off, never late on anything.
Any suggestions would be appreciated and thank you in advance.
I see your AoA is only 1.8 years. That might be a factor as well. What other cards do you have and limits? I've had 2 WF cc accounts for a couple years whereas some are able to get sp cli but I never can so I don't even try
. In my case it's low income and debt but their cards are used and always PIF. Paying them interest isn't going to work because they either like your profile or they don't lol.
@4sallypat wrote:Wow, and here I was thinking of apping for the Attune card as I have a checking account and the Reflect card for over 2 years.
Makes me want to not app.
Just know your profile. If you have good income, low inquiries, low debt, these are factors I believe can help someone in their decision. Often times when a person gets a $1k limit on any card from a lender there usually is a reason for it.
I opened a active cash 16 months ago, mostly ran up the balance to the SL, 20K that's a lot - always paid on time but usually the minimum. They gave me an auto increase of 3K several months ago which I almost used all of as well, payments and history being the reason. The balance (9K left) is now getting paychecks thrown at it which will mean me paying it off in month or so.
they declined my request to 30K because lack of payments, balance vs payments, etc with the Wells Fargo account.
Didn't mention any of my other accounts reported.
I'll try again in January.
I suggest you keep using the card and making payments.
I opened a checking with them hopefully i will like it, hopefully they'll like my deposits enough to grant me my CLI - I'll close the checking next year if they don't or I don't like the bank.
