@Seat2a wrote:Today I got back in with Citi with a 9,800 CL! Also, I got a second card with BOA, 13K CL. I have two NFCU CC with 28K and 25K, respectively and my first BOA opened at 18K. WF STILL stands at 1K after taking a HP almost two years ago. I requested a CLI after about a year and was denied due to "insufficiet credit history". I also had quite a long relationship with them. What's their deal??
What do you need WF for? There are better CC's to cover anything they offer. Close it, come back later for a SUB and I bet they give you a much better SL, especially if you have a relationship.
Aven:
@Seat2a wrote:I don't need them but I am trying to increase my length of credit istory. Also, I was SO angry with them that I closed my other types of accounts with them. Thanks for your advice!
As a general rule (not all issuers do for the full) all accounts continue on being reported up to 10 years after closed, credit report. It will remain for you even if closed.
@NAVYCHOP wrote:If you bank with Wells Fargo and you mentioned that you are trying to enhance the length of your credit history, I would simply sock drawer the card and keep it. They may be more generous in the future.
I have a similar experience with BOA where I have a long banking history. I have a 12 year Alaska Air card with a $2k limit. Every time I asked for a CLI, they always provided me a song and dance about banking trends not allowing them to raise the limit. (Even after I tried cycling through the limit a couple times a month.) Last year I applied for their Premium Rewards Elite card and they offered $25k starting limit. Nine months later they raised my limit to $45k but the ridiculous Alaska Air card still sits at $2k. I'm still not going to close it based on the 12 year history so I just use it for the annual 2-for-1 airline ticket which they grandfathered me with no spending requirement since I have had the card so long.
I think you could do some credit reallocation to solve this problem. Take 20k off the PRE and have it added to the Alaskan card then both cards have respectable limits. Not all lenders will do it but I believe BOA is one of them.
8/8/25
Wow; that’s frustrating. You’ve clearly got a strong profile; those NFCU limits are no joke. WF is just notoriously stingy with credit limits and CLIs. Even with good credit, they often deny increases for vague reasons like “insufficient history.”
They seem to rely more on internal usage and banking history than your overall credit file. If you don’t have a checking or savings account with them, they’re extra conservative. Honestly, they’re just not as growth-friendly as NFCU; Citi; or BOA.
Might be worth trying their recon line; or even applying for a new WF product altogether. But yeah, their behavior is weirdly inconsistent.
