they gave me 12K credit. My only relationship is a mutual fund with about 20 K in it. But, I'm not even sure that they are allowed to look at the "investment side."

I want to know if somebody was able to book a flight, hotel or vacation with the points form WF.???

pardon me if this has been covered.... (I'm the one who had the fiasco applying for the card). I just got my WF cash card in the mail and there is no mention in the materials of the 5X bonus for the drugstore, etc. purchases. Is that typical?

I got my cash card a couple of weeks ago and the materials did not mention the 5x. I took a screen shot when I applied and seem to be getting the bonus.

I just applied for the card & have received a pending review message. I called them in to know the status. The CSR only said its under processing & will take 5-7 business days. Does anyone know if this is a usual message?

EQ FICO is 720. 2 inquiries in the past one year. 0 in the last 6 months.

This was my experience. I was approved in about 3 business days.

Same. I only saw I was approved when the card showed up in my account.

Anyone done with their 6 months yet and tried to apply for another card, whether the exact same or if you did cash, now rewards? If you can churn these, then look out...

what credit bureau does Wells fargo pull the hard inquiries?

Ex for me a few days ago. Approved with an absurdly low cl.

I've been reading up on the card and it seems like WF doesn't release the credit line quickly after paying unless you paid through a WF checking account? Does anyone know on average how long it takes for WF to release the credit line if paying by BB and how long by a WF checking account?

Almost all my payments come from BB but I also opened a WF checking account. My credit line is updated same day as BB payments, almost done with month 2.

credit is released immediately if via WF checking account. However the transfer itself doesn't process until overnight, and not on Friday and Saturday I believe. I'm not sure if making purchases when your credit is reset but the transfer isn't processed contributes to fraud phone calls... I don't believe it does, but since I was recently warned, I'm trying to avoid that too for safety sake.

oh man, that sucks. I have the most inquiries with experian, and it's my lowest score about 720

I'm in California, so I don't know if anybody here in Cali has been hard pulled from trans or equifax??

SoCal here, Experian pulled.

took the plunge ;)
8k line... ok, i guess.

I wonder how soon they welcome credit line increase requests. The CSR said to me 4 months is a good time. Even if it is 3 months, at least it will be nice to get a decent CL for half of the 5% promo period.

I started with 2k line and then reached it two days. Had to talk to CSR after fraud alert and complained about the CL. They said they will review it and got a mail within a week being increased to 8k.

that's my fear to get a paltry low credit line of 2-3k and they refusing to up me.But if they are willing to reconsider...:rolleyes:

went from 2k to 10k before card even arrived after I requested.

I am in a catch 22 situation ... I use CSP for daily transactions and really need to work on my AA balances. I could keep my UR account in shape via staples and "the other place" could help with AA but the though of giving up serious $$ by not using WF really sucks. I could drop CSP and go to citi for daily use but then I loose 2X earning potential at food places ...

Ideas....
PS sidenote WF Fraud Dept is really starting to annoy me ... although they now have started to just verify purchases after purchases go through (thankfully), instead of outright denying the card. This hobby takes a lot of planning and calculation , but with WF they are so unpredictable. For Example ,I planned to spend 5K at the three letter points junkies paradise, but did not call wells fargo prior therefore card only let me spend 1K before shutting off. (I think because the store also had POS terminal/ activation issues lately where they had to ring me up on separate transactions)

Sorry for the rant but WF is like a HOT supermodel with a temper, where you know you need to move on to bigger and better things, but you just cant because she is SO dang HOT:D:D:)

+1;)

Welp, 4th statement closed last week and got the account restricted message online and request to call them. This should be fun. We'll see if I can keep it open.

hahaha temptation is a mother eh!

now this is comforting. I know it probably has to do more with credit scores and number of credit cards, but knowing that they are willing to consider upping you is a good thing.

Good luck! Pls do post back your experience.

Also for others considering this card, opening a WF bank acc is very helpful.

So I activated my card last night & while speaking with the CSR, I requested to remove any kinds of blocks from my card even if I'm making large purchases. The CSR said its not possible to remove blocks but please give us a call before making any large purchases. So I said that I'm gonna make a large purchase ($2,000) tomorrow at CVS. He verified some info & said Ok. The next day I made this purchase & everything worked fine.

So my question is, why don't everyone do the same, i.e. call them before making a big purchase & you'll be good to go. Am I missing something here?

You are missing something here. You are playing Russian Roulette and eventually you'll come across a CSR that will start asking questions, make a note on your account, and so on. The idea is to not bring extra attention to yourself. And as somebody else doing this, I'd rather you not bring any extra attention to any of us.

What's the plan going forward? Going to call everyday? Why not just make one phone call and tell them you'll be spending $100,000 over the next few months and save yourself the time. See how that goes.

Calm down man. Take it easy. It was just a hypothetical question. Cheers!

Are you able to keep it open?

It wasn't a hypothetical question. You actually did call in. The fact that you even proposed continuing to do it shows you are completely clueless to how this all works.

The hypothetical question was about everyone calling in before making a large purchase, not that I called in. And I didn't say anything about what I was purchasing. [...]

Yes, back up and running. Did $2K today without issue.

Let me keep it real simple: DON'T CALL

When you get declined for a security alert, man up and deal with it

Checking acc funding with CC ?
 

I guess I'll open a checking account online , to improve my chances of approval. I noticed the checking account application page offers Credit Card as a funding source.
A few years back this was a popular way to earn miles with Citi cards, but don't hear it mentioned anymore.
I know the possibility of being charged a cash advance fee exist. Anybody care to share experiences on this. OK to PM me

Just FYI, I got scammed by Wells Fargo. I noticed today that my WF card was not getting 5% cash back on gas, groceries, and drugstores. Called them and they said "that's not guaranteed, sometimes you only get 1%." I said that their website said 5% and they responded "it's not guaranteed." I can't find the offer letter but I presume it had some kind of weaselly language in it that got them out of it. But just a warning to be wary. We have banked with WF for years (well, Wachovia before) and we may quit now. This is deceitful and I expect better from these big companies.

first rule of fight club.
Don't talk about fight club!
etc

How do you know you aren't getting 5%? If you received an offer "letter" maybe you did not sign up for the right card. If you went to the public offer on their website, you should have 5% in those categories.

How are people going about finding out the date when their 5X promo is almost over? Has anyone been able to call and find out the end date? I know if nothing weird happens mine is supposed to end sometime in March or April 2014, but don't know exactly and don't want to waste a better opportunity as a result !? Also, in the beginning there was info going around that there was a hidden $10k monthly cap on 5X earning with this card? Is that true? PM's welcome!
Thanks

I suspect it will end on the last day of statement 7. However I'm just going to keep purchasing and checking my rewards. I'd rather have a few days at 1% then miss a few days at 5%.

Not sure what you mean about 10K cap. I've spent well over 10K per month on the card and gotten full value. But I doubt anybody is earning over 10K in rewards... that would require 200,000 of spending on the card in a month, right?