Originally Posted by CWAL

Good advice, but my questions are still relevant.

I've never tried it, but I think it may allow you to pay twice in one day the full posted balance of your CC, bringing you to a negative balance if you don't proceed to purchase that day to cover the overpayment.

Originally Posted by lumangoy

The FAs are easy to clear. It's just a hassle when the transaction doesn't go through.

WF's automated system usually calls right away to confirm x number of transactions. Keep that number handy (from caller id when they call you), you can call it even if they don't call you to clear the FA.

Sorry, I don't have the number anymore.

Originally Posted by cdog999

Thanks for the info. So, how high up were you able to get single transactions? $3000? $4000? $5000? I have a 17K CL, so the higher the better.

And, thanks for the tip on paying from WF Checking. I'll make sure and do that to help control the active balance. Assuming you have to wait until the charge officially posts right?

Originally Posted by lumangoy

I've payed twice before from my WF checking and have never over payed.

After I pay in the morning, some of my pushes from other banks post mid day, so I pay again in the afternoon if I need more credit.

Originally Posted by greatname

I tried to search the answer to my question but not sure what's the better keyword... I hope someone could make a wiki post. I apologize in advance if they have been asked multiple times in the past. Here are my four questions:

1) My application went to pending today and I called what I thought was Wells Fargo UW 866-412-5956. I was told that it's pending and check back in 24-48 business hours. Is this common and does this mean anything? I opened a checking account with them last Jan or so and just kept a 1500 balance with them for the past year...

2) They seem to have 4 similar products for 5x bonus per spend within 6 months - excluding the rebate ones:

Wells Fargo Cash Back Visa® Card - 5% cash back
Wells Fargo Cash Back Visa Signature® Card - 5% cash back
Wells Fargo Rewards Visa® Card - 5X points
Wells Fargo Visa Signature® Card - 5X points with 50% bonus if redeem for airfare

Does this mean you can get one of each for total of 2 years of 5 times reward/cash back? I applied for Wells Fargo Visa Signature® Card and if I got the inferior platinum version, would I still get the 50% bonus for airfare?

3) How do you request soft pull CLI? When and how frequent?

4) For the future... can you actually merge all the reward points from different cards (Propel, Propel World, Propel 365, Rewards visa, and visa sig)? Only the points earned through visa sig gets 50%bonus airfare right or all points merged to that account (if possible) get the 50% airfare?

Originally Posted by cdog999

No clue. I called a banker and applied over the phone.

If you find out, let me know. I applied for
Wells Fargo Cash Back Visa Signature® Card - 5% cash back

The banker I talked with said if I applied for the
Wells Fargo Cash Back Visa® Card
that I would get the 0% APR rate for 18 months but not the 5% back for the first 6 months.

I'm sure I could get my wife to do one of these cards in 6 months, but it would be nice to know if I should just cancel my card at the end and then reapply for one of the other ones next year at this time (assuming they still don't put a cap on these cards)

I ended up with a 17K CL, so I am quite happy. WF appears to hit Transunion which happened to be my best score.


Any idea if brokers will buy WF points?

Originally Posted by Wonko

Wow. I believe this is the longest completely useless non-answer I've ever read.

Originally Posted by CWAL

I don't think you're really getting my use case:

It's Monday morning, and charges of, say, 1k are posted. I have 1k charges pending, and my CL is 2k, so my available credit=0. I have 10k in WF checking, so I pay the posted 1k. It will take the 1k from checking, increase available credit to 1k, but the balance on the card will not go down until around midnight.

At this point, if you pay *another* 1k, making available credit the full 2k, you are really just paying off pending charges, and your statement will not show a negative balance (as long as you know the charges will post that night to coincide with the extra 1k payment.) You have paid more than your posted charges, but not more than your (posted+pending).

At that point, you could go out and make 2k more charges that day, not just 1k.

Originally Posted by lumangoy

Like MarcoPolo88, I only paid what is posted. I'm not even sure if you can pay (from WF Checking) what hasn't posted, making your balance negative.

Originally Posted by MarcoPolo88

There is an option to manually enter an amount you wish to pay. I never would put more than what I owe, but I sometimes do it with Amex.

Originally Posted by MarcoPolo88

I am waiting to hear back from my friend, but I believe it was for overpaying (including pending charges).

As mentioned, I just pay directly from a WF checking account and never more than the balance shown.

Originally Posted by mittenfingerz

I assume these payments your friend made were from WF checking and not another source, right? Or maybe a combo of payment sources, say like he paid his WF balance down with WF checking, but then some Serve payments or something also came in.

Originally Posted by CWAL

I blows my mind that people even bother paying from any other payment source.

Originally Posted by travelfreaks

really...doesn't blow my mind at all. People do not do their due diligence by reading first, then screw up, and come here asking what did I do wrong The answer is...you did not read about 99.9324% of the time