Last edit by: muji
Churnable to get repeated 5x rewards?
Not possible
http://www.flyertalk.com/forum/22871522-post710.html
Update April 16, 2016: Still Not Churnable
http://www.flyertalk.com/forum/credi...l#post26511091
__________________________________________________ _____________
How to pay down CL quickly?
ACH push from other banks to wells fargo checking and then use that to pay credit card
Likely to get shut down if...?
- Have a negative balance
- Have a really high balance
- Cycling several times through your CL
- Calling in and getting caught by human eyes for suspicious activities.
To check what your 5X/5% window is:
In the rewards account, go to My Rewards -> Account Activity and the days left on the promo will show up at the top....looks like a pie chart.
To check which transactions get 5X/5% before your statement posts
Now, to check if new transactions are eligible for 5X before statement closes, go to "My Rewards" on the top and click "Activity" and set the start/end dates. You should see a "bonus earning" for 4% extra cash back for anything that's eligible.
Caps on 5x / 5%??
There are no more caps.
What to do when transaction not going through due to FA?
Human @ fraud prevention line is 877-575-0462 (to verify charges if locked out) (Update 3-3-15 - Phone number no longer in service per this post)
Automated response number was 800-446-0664
Not possible
http://www.flyertalk.com/forum/22871522-post710.html
Update April 16, 2016: Still Not Churnable
http://www.flyertalk.com/forum/credi...l#post26511091
__________________________________________________ _____________
How to pay down CL quickly?
ACH push from other banks to wells fargo checking and then use that to pay credit card
Likely to get shut down if...?
- Have a negative balance
- Have a really high balance
- Cycling several times through your CL
- Calling in and getting caught by human eyes for suspicious activities.
To check what your 5X/5% window is:
In the rewards account, go to My Rewards -> Account Activity and the days left on the promo will show up at the top....looks like a pie chart.
To check which transactions get 5X/5% before your statement posts
Now, to check if new transactions are eligible for 5X before statement closes, go to "My Rewards" on the top and click "Activity" and set the start/end dates. You should see a "bonus earning" for 4% extra cash back for anything that's eligible.
Caps on 5x / 5%??
There are no more caps.
What to do when transaction not going through due to FA?
Human @ fraud prevention line is 877-575-0462 (to verify charges if locked out) (Update 3-3-15 - Phone number no longer in service per this post)
Automated response number was 800-446-0664
Wells Fargo 5X rewards cap
#798
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
#799
Join Date: Jan 2014
Posts: 166
Apply for the card even though I had a prior Wells Fargo CC?
I currently have this card for my wife. We are hitting it very hard. But I had a Wells Fargo CC that I closed in 2009. I regularly get the pre-screened offers for the 5X card, but I generally ignore them since I figure I am no eligible. But today I decided to read the terms very carefully. The offer that I see on my online account and the actual letter states:
"This offer is available only to applicants who do not already have a Wells Fargo Credit Card (Holders of a Wells Fargo Financial National Bank credit card offered through a retail merchant)"
as opposed to the public offer that read
"Eligibility for Introductory Rate(s), Fees, and Bonus Rewards Offers: If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR(s) and fees or the bonus rewards offers described below."
I am conflicted. Has anyone noticed this? Has anyone else been able to get a second Wells Fargo card with 5X via a pre-screened offer?
"This offer is available only to applicants who do not already have a Wells Fargo Credit Card (Holders of a Wells Fargo Financial National Bank credit card offered through a retail merchant)"
as opposed to the public offer that read
"Eligibility for Introductory Rate(s), Fees, and Bonus Rewards Offers: If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR(s) and fees or the bonus rewards offers described below."
I am conflicted. Has anyone noticed this? Has anyone else been able to get a second Wells Fargo card with 5X via a pre-screened offer?
#802
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
#803
Join Date: Apr 2005
Location: NYC
Posts: 1,756
#804
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
#805
Join Date: Jan 2014
Programs: SPG Platinum, Marriott LT Platinum, Hilton Diamond, Hyatt Globalist, AA Platinum Pro, AS MVP Gold
Posts: 215
I have the Wells Fargo VISA Signature Card - 30k Reward Points after $2000 spent (already posted). Earns 5x reward points. I can redeem airfare with 50% more value (seems to be ~25% more value, still good deal), just hesitant of leaving rewards in there in case I get banned. I've been a Wells Fargo customer for 15+ years if that means anything. (I've had a checking account with Wells Fargo since 14)
and I actually received another exact same offer today again, even though I already have the card... can someone else use the reservation #?
Thanks.
and I actually received another exact same offer today again, even though I already have the card... can someone else use the reservation #?
Thanks.
#806
Join Date: Aug 2013
Posts: 240
in the first cycle, i stayed below CL
I am not sure if i should call in. Account is locked but they haven't posted the cash rewards to my checking account. thinking about waiting until they post before calling. i did make overpayments but 6 wks ago. they are locking my acct every few transactions now
#807
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Questions on the application form
I have a WF checking account for several years. In the past year or so, each time I logged off online banking, this 5x card offer popped up.
Today I decided to check the application form out. Using the online banking login, I was brought to a screen prefilled with my name and address.
The most unusual thing is, it does NOT have a question for annual income but it has a question for Additional as well as Accessible Income with Yes or No boxes. BUT NO ANNUAL INCOME Question on the form.
Do you use the Additional Income to put in your annual income? There are categories of income to select from the drop down menu once you click Yes on the Additional Income.
I have never seen a credit card application form does not ask for Annual Income.
What do you guys see or remember what you see on your application?
Today I decided to check the application form out. Using the online banking login, I was brought to a screen prefilled with my name and address.
The most unusual thing is, it does NOT have a question for annual income but it has a question for Additional as well as Accessible Income with Yes or No boxes. BUT NO ANNUAL INCOME Question on the form.
Do you use the Additional Income to put in your annual income? There are categories of income to select from the drop down menu once you click Yes on the Additional Income.
I have never seen a credit card application form does not ask for Annual Income.
What do you guys see or remember what you see on your application?
#809
Join Date: Jul 2013
Posts: 1,036
i have been 5.25 x-ing the CL for 3 mo
in the first cycle, i stayed below CL
I am not sure if i should call in. Account is locked but they haven't posted the cash rewards to my checking account. thinking about waiting until they post before calling. i did make overpayments but 6 wks ago. they are locking my acct every few transactions now
in the first cycle, i stayed below CL
I am not sure if i should call in. Account is locked but they haven't posted the cash rewards to my checking account. thinking about waiting until they post before calling. i did make overpayments but 6 wks ago. they are locking my acct every few transactions now
#810
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
I have the Wells Fargo VISA Signature Card - 30k Reward Points after $2000 spent (already posted). Earns 5x reward points. I can redeem airfare with 50% more value (seems to be ~25% more value, still good deal), just hesitant of leaving rewards in there in case I get banned. I've been a Wells Fargo customer for 15+ years if that means anything. (I've had a checking account with Wells Fargo since 14)
and I actually received another exact same offer today again, even though I already have the card... can someone else use the reservation #?
Thanks.
and I actually received another exact same offer today again, even though I already have the card... can someone else use the reservation #?
Thanks.