Apr 10, 2014, 10:55 am
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
Jul 1, 2014, 9:24 am
#886
Join Date: Jan 2014
Posts: 166
Breaking News! 2nd card has 5X bonus!
Before you get too excited, let me give you the breakdown.
I had a Wells Fargo card that I closed in Nov 2009. This was around the time of the Wachovia meltdown and I don't recall if the original card was with Wachovia or Wells Fargo. But in either case, when I called Wells Fargo and on the my credit report they both clearly say that it was a Wells Fargo credit card. I vaguely recall getting the card for a $300 sign up bonus and 0% transfer of 20K.
Anyway, I got a targeted offer in my account and the language in the offer read: "This offer is only available ....who do no already have a Wells Fargo Credit Card"
I have not gotten the physical card yet and have not actually seen the bonus points post, but when I check the rewards site (the card is already linked on line for me) the offers listed there:
20k Points/$200 Cash Back with $2000 spend in 3 months
5X Cash Back for Gas, Grocery & Drug Store for 6 Months
Some more data points
I have been with Wells Fargo for over 20 years (as they acquired different banks)
My wife has the 5X card as well that she is almost done with
Signature card
Excellent Credit
I had a Wells Fargo card that I closed in Nov 2009. This was around the time of the Wachovia meltdown and I don't recall if the original card was with Wachovia or Wells Fargo. But in either case, when I called Wells Fargo and on the my credit report they both clearly say that it was a Wells Fargo credit card. I vaguely recall getting the card for a $300 sign up bonus and 0% transfer of 20K.
Anyway, I got a targeted offer in my account and the language in the offer read: "This offer is only available ....who do no already have a Wells Fargo Credit Card"
I have not gotten the physical card yet and have not actually seen the bonus points post, but when I check the rewards site (the card is already linked on line for me) the offers listed there:
20k Points/$200 Cash Back with $2000 spend in 3 months
5X Cash Back for Gas, Grocery & Drug Store for 6 Months
Some more data points
I have been with Wells Fargo for over 20 years (as they acquired different banks)
My wife has the 5X card as well that she is almost done with
Signature card
Excellent Credit
Jul 1, 2014, 12:54 pm
#887
Join Date: Feb 2014
Location: PHL
Posts: 930
Before you get too excited, let me give you the breakdown.
I had a Wells Fargo card that I closed in Nov 2009. This was around the time of the Wachovia meltdown and I don't recall if the original card was with Wachovia or Wells Fargo. But in either case, when I called Wells Fargo and on the my credit report they both clearly say that it was a Wells Fargo credit card. I vaguely recall getting the card for a $300 sign up bonus and 0% transfer of 20K.
Anyway, I got a targeted offer in my account and the language in the offer read: "This offer is only available ....who do no already have a Wells Fargo Credit Card"
I have not gotten the physical card yet and have not actually seen the bonus points post, but when I check the rewards site (the card is already linked on line for me) the offers listed there:
20k Points/$200 Cash Back with $2000 spend in 3 months
5X Cash Back for Gas, Grocery & Drug Store for 6 Months
Some more data points
I have been with Wells Fargo for over 20 years (as they acquired different banks)
My wife has the 5X card as well that she is almost done with
Signature card
Excellent Credit
I had a Wells Fargo card that I closed in Nov 2009. This was around the time of the Wachovia meltdown and I don't recall if the original card was with Wachovia or Wells Fargo. But in either case, when I called Wells Fargo and on the my credit report they both clearly say that it was a Wells Fargo credit card. I vaguely recall getting the card for a $300 sign up bonus and 0% transfer of 20K.
Anyway, I got a targeted offer in my account and the language in the offer read: "This offer is only available ....who do no already have a Wells Fargo Credit Card"
I have not gotten the physical card yet and have not actually seen the bonus points post, but when I check the rewards site (the card is already linked on line for me) the offers listed there:
20k Points/$200 Cash Back with $2000 spend in 3 months
5X Cash Back for Gas, Grocery & Drug Store for 6 Months
Some more data points
I have been with Wells Fargo for over 20 years (as they acquired different banks)
My wife has the 5X card as well that she is almost done with
Signature card
Excellent Credit
Jul 1, 2014, 2:12 pm
#888
Join Date: Jan 2014
Posts: 166
Given that all other reports indicate that the "offers" listed on the rewards site are 100% accurate, I think this is a data point. It will be a month before I know if I actually will get the rewards. But I see no reason to think that I will not.
Jul 1, 2014, 2:20 pm
#889
Join Date: Oct 2013
Programs: Hyatt Globalist No More..., Hyatt Explorist, Hilton Diamond, SPG Platinum, Marriott Platinum
Posts: 4,375
You will know well before a month. You can view your current month pending rewards activity before the statement closes.
Jul 2, 2014, 8:15 pm
#893
Join Date: Aug 2013
Location: Kansas City
Posts: 193
Jul 3, 2014, 10:23 am
#896
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Yes everything is transferred to the new card no problem
Wells Fargo may hold your rewards for a few days after you report a card lost or stolen to make sure no one steals your rewards points. If this happens then wells Fargo will return the points to you after you've had your new card in your possession for a few days
Hope that helps
Jul 5, 2014, 1:54 am
#898
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Jul 6, 2014, 6:40 am
#900
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Best way to avoid this is to ask for a CLI. (use the over payment warning as reasoning for needing one) I was in a similar situation and then asked for large enough CL so that I wouldn't need to over pay ..
Never had any issues (except frequent fraud alerts) for the remainder of my promo period
Never had any issues (except frequent fraud alerts) for the remainder of my promo period