Are Wells Fargo credit cards any good? Also, how difficult is it to get CCs from them? Thanks.
Starting Score: TU: 566
@lithium78 wrote:Are Wells Fargo credit cards any good? Also, how difficult is it to get CCs from them? Thanks.
i applied for them back in June. i applied for them because i knew they were going to pull TU for me. my TU FICO here at that time was 740 and no inq whatsoever so i thought i'd have a fighting chance. and at the time, the 2 cc's i had (cap one and BBRZ MC) was just PIF, but i got denied for their rewards visa card. called to ask for recon. denied on recon as well. rep told me that for some reason, they had a problem pulling my report (i call BS on that one) so they looked at my banking history with them. denied because rep said that my "deposit history was unpredictable", meaning i don't push money in my account as much as they'd want me to. In my opinion, unless they are your primary bank, i won't say it's hard to get approved...rather frustrating. they're not my primary bank but i keep several hundred dollars between my checking/savings accounts because they have a cheap fee ($3.50 compared to $10 at some places) for international money remittance, a service they offer that i need since wife and i send money to her family back home.
but yeah, they based their decision on my app wholy on my relation$hip with them $$$-wise. oh i call BS on them not being able to see/pull my report because my TU got hit with a HP from TU.
