I think if you want it then go for it, but would agree with others that if you already have 2 unsecured cards then you don't need this one. The conditional approval is pending the $10,000 that they deduct from your account before issuing. If you don't have it and still want the card, you can likely have them lower the limit before issuing. Or maybe talk to them and see if you can swap the app for the WF Propel Amex.
I work for Wells Fargo and lots of friends & acquentances when they hear that will ping me for advice on how to navigate the bank. I'm not in the finance/banking area so I have no advice there, but I still hear the stories. I have seen a few people, go the secured route thinking it was needed or just by making a mistake. I was in this boat also about 10 years ago thinking I needed it since I only had one card at the time and generally limited myself to debit cards. My secured card graduated after 4 months and then they returned my funds, and I've heard others say generally the same although the time depends on your own financial well-being. In my case it went from $2,000 secured to $5,000 unsecured and has sat there for 10 years with no CLI and a decline whenever asked.
