Wells Fargo Closed My Credit Card

[Anonymous]

So Wells Fargo closed my Credit Card apparently because I Logged in online and i see that credit card has disapeared off of my account view..

Tried to used it and it was declined. So i'm guessing it got closed..

Haven't received anything it the mail regarding my credit card account.

It was my first credit card :/

[azguy13]

I'm sorry to hear that. I do not know too much about WF credit cards (not very many folks on the forum have one). I would personally wait for the letter then call for Recon. Have you changed up your spending habits lately, carried a high balance for a long period, or made minimum payments for a number of months in a row?

[takeshi74]

Is it your only card?  Doesn't seem like it from the total in your sig.  If not, why are you worried about it?  See the Closing Credit Cards thread linked in the Helpful Thread sticky.

Have you called to see why they closed it?  If due to inactivity then you need to make sure you understand each of your creditor's policies on closure due to inactivity and ensure that you meet at least the minimum requirement if you want to keep your cards open.

If it's AA then it would depend on your credit profile including recent activity.

[Anonymous]

Haven't used it?

side note:  I keep my first rebuilder with my monthly Netflix charge to keep it active. 

[ddemari]

call them up about it? maybe its closed to due suspicious activity. boa does it all the time. 

[Anonymous]

I'd go to a branch ASAP.  Time for a face-to-face to understand what is going on.

Good luck!

[Anonymous]

Nothing much in my credit profile that changed over the past year except a few new accounts and inquires.. 

I never carried a balance on this card always paid in full on this account because of high apr, although carrried a balance on other 0% apr cards. Total utilization around 3% on busy months..

Last time i used this card was about 7 months ago.. So maybe it was closed due to innactivity although i had years of not using it before,

Ill call on my lunch today at work..

Anyone know the policy on re opening closed accounts with wells?

[azguy13]

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@Anonymous wrote:

Nothing much in my credit profile that changed over the past year except a few new accounts and inquires.. 

I never carried a balance on this card always paid in full on this account because of high apr, although carrried a balance on other 0% apr cards. Total utilization around 3% on busy months..

Last time i used this card was about 7 months ago.. So maybe it was closed due to innactivity although i had years of not using it before,

Ill call on my lunch today at work..

Anyone know the policy on re opening closed accounts with wells?

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Good luck and keep us updated. A lot of the time, CSR's will tell you to wait for the letter. 

[ScoreOrBeScored]

You should call them up and thank them..... Because they did you a huge favor. IJS

[Anonymous]

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@ScoreOrBeScored wrote:

You should call them up and thank them..... Because they did you a huge favor. IJS

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+1 If you dont use it anyway I would say good riddens.