Wells Fargo

[southernficoaddict]

We have an auto loan with WFAF that just hit 2 years with no lates.  Our scores have come up any where fro 65-106 pts since April.  We just got a call from WF offering us a Plat. Visa with a 5K limit and a 20 dollar AF.  This is our highest CL EVER so I took it.  Hey, I'll pay 20 bucks for a 5 k limit (right now anyway)  Does anybody else have any experience with them and a CC?

[southernficoaddict]

Shameless bump....

[Anonymous]

pretty much how i obtained a cc from them, 5k line as well. after several unsucessful attempts for increases and rate reductions i finally told them to hug a root.

[southernficoaddict]

Well, I think I'm going to use it to pay the cable bill every month and pay it off...  This will put my overall util% @ 6%, and DH's @1.3%...  He only has 1 cc, and an AU on my Wal-mart CC so he really needed another anyway.

[Anonymous]

5K starting limit is great. Congrats.

[Anonymous]

i'm sorry, yes congrats. i just reached a point were i could obtain a better product that would grow. i'm just a little bitter w/wf since they were happy to have me as a customer when i would pay an unattractive rate, but wanted no part of growing with me.

for the record i feel the same about first premeire, gemb, target, and hsbc.

[southernficoaddict]

Thanks, I had just gotten up (work night shift) and was reallly loopy and thought she said 1k at first and was going to turn it down.  I said " and that's a 1k CL?"  and she said "no, that is a 5K CL"  I 'bout dropped the phone.  After getting a 500 wal-mart and a 750 HSBC  5K sound like a fortune to me. 

I think this will do it for us for CC's for a while, maybe next year after these age a bit we'll try for something better.  DH is going to have a fit because he thinks that just means we will be 5K in CC debt.

[southernficoaddict]

We didn't have any open CC's before April and really crappy credit, so I guess we will just have to "pay our dues" (i.e higher interest rates and AF's) for a year or so and then DUMP THEM!  when we get something better of course.

[nmorton79]

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southernficoaddict wrote:

We have an auto loan with WFAF that just hit 2 years with no lates.  Our scores have come up any where fro 65-106 pts since April.  We just got a call from WF offering us a Plat. Visa with a 5K limit and a 20 dollar AF.  This is our highest CL EVER so I took it.  Hey, I'll pay 20 bucks for a 5 k limit (right now anyway)  Does anybody else have any experience with them and a CC?

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May I ask what your current scores are?

[southernficoaddict]

TU: 677, EX:  711, EQ: 644,

but as I posted earlier, I think this has to do more with auto loan with them hitting 2 year mark with perfect history.