Re: Wells Fargo Secured Card Gradiation

dondilio · ‎07-22-2013

Hi everyone!

I was reading last week that WF was looking to become a bigger player in the Credit Cars Business. I've had a secured card with them for 20 months. As far as I knew they only graduated in April and November so I was keeping my fingers crossed for November. I went to the post office today and found a WF envelope with "you've earned it" printed in front. When I opened it , I was surprised to find out I was being unsecured. It's suecured with a $1k deposit so I'm glad I'm getting it back. Not sure about CL. APR will be 17.49%. Whatever it is I'm happy. Thinking about doing a PC to the Cash Back card when I get it. So there you go fellas. Looks like things are (hopefully) changing at WF.

Starting scores (FICO): 1/4/2011 TU: 536 EQ: 532 EX: ???
Current scores (FICO): 9/10/2014 TU: 715 EQ : 720 EX: 732
AMEX PRG: NPSL; AMEX Hilton Surpass: $5800; AMEX Blue: $7500;
DIscover IT: $8500; Fidelity Visa Signature: $5000; CITI AAdvantage WEMC: $2200; Capital One Venture One: $4000; Santander JetBlue MC: $5000; Wells Fargo Visa (secured that eventually graduated): $1600; Nordstrom Visa Signature: $5000 Store cards: Sam's Club: $3900; Home Depot: $4000 Fired: First Premier; Cap One (secured and Orchard); Barclays, AMEX Zync with PSL.

enharu · ‎07-22-2013

Grats!

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

MsLadyRover · ‎07-22-2013

Congrats!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
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09Lexie · ‎07-22-2013

That's a nice surprise!

Closing Credit Cards

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knoregs · ‎07-22-2013

Congrats!

~kn

EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15

hot4u · ‎07-22-2013

Congrats....

(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage

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dondilio · ‎07-22-2013

Yes! I wasn't expecting it! I bank with them and I was seriously considering closing all my accounts if they didn't graduate my card. In the last couple of months I was approved for a couple of Prime cards. To be honest it felt great to close First Premier, AMEX Zync with $500 PSL, Cap1 Secured and Orchard. My WF Secured was my only rebuilder card left so its quite a milestone for me.

Starting scores (FICO): 1/4/2011 TU: 536 EQ: 532 EX: ???
Current scores (FICO): 9/10/2014 TU: 715 EQ : 720 EX: 732
AMEX PRG: NPSL; AMEX Hilton Surpass: $5800; AMEX Blue: $7500;
DIscover IT: $8500; Fidelity Visa Signature: $5000; CITI AAdvantage WEMC: $2200; Capital One Venture One: $4000; Santander JetBlue MC: $5000; Wells Fargo Visa (secured that eventually graduated): $1600; Nordstrom Visa Signature: $5000 Store cards: Sam's Club: $3900; Home Depot: $4000 Fired: First Premier; Cap One (secured and Orchard); Barclays, AMEX Zync with PSL.

myjourney · ‎07-22-2013

@dondilio wrote:
Hi everyone!

I was reading last week that WF was looking to become a bigger player in the Credit Cars Business. I've had a secured card with them for 20 months. As far as I knew they only graduated in April and November so I was keeping my fingers crossed for November. I went to the post office today and found a WF envelope with "you've earned it" printed in front. When I opened it , I was surprised to find out I was being unsecured. It's suecured with a $1k deposit so I'm glad I'm getting it back. Not sure about CL. APR will be 17.49%. Whatever it is I'm happy. Thinking about doing a PC to the Cash Back card when I get it. So there you go fellas. Looks like things are (hopefully) changing at WF.

Congrats

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Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
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Wells Fargo Secured Card Graduation

Wells Fargo Secured Card Graduation