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
Nov 23, 2013, 9:05 am
#107
Join Date: Jul 2013
Posts: 321
Nov 23, 2013, 10:35 am
#108
Join Date: Apr 2002
Posts: 2,949
Nov 23, 2013, 11:46 am
#110
Join Date: Nov 2011
Posts: 1,944
https://www.wellsfargo.com/credit-cards/
Nov 23, 2013, 1:50 pm
#111
Join Date: Jul 2013
Posts: 321
So I just called the CS to check on max. cap on 5x rewards. The lady confirmed that there is a 6 month limit for 5x purchases in drugstores (which I knew when I signed up). I asked for the cap on rewards, she said there is none. I asked her to check with her supervisor and (after a moment) she said she checked and there is no limit on bonus. I don't trust her (initially she said there is no time limit either for 5x bonus). Anyone can confirm? I will call back, but this call took forever to get hold of one.
"8.There is no limit to the Points You may earn in any calendar year."
Nov 23, 2013, 1:51 pm
#112
Join Date: Jul 2013
Posts: 321
I think there are at least three. One is 5% cashback, one is 5% points, and one is 5% cashback to your mortgage
https://www.wellsfargo.com/credit-cards/
https://www.wellsfargo.com/credit-cards/
Nov 23, 2013, 5:17 pm
#113
Join Date: Mar 2013
Posts: 809
I think there are at least three. One is 5% cashback, one is 5% points, and one is 5% cashback to your mortgage
https://www.wellsfargo.com/credit-cards/
https://www.wellsfargo.com/credit-cards/
Between the two cards, you can potentially have 12 months of 5%. 18 months if you have a WF mortgage.
Nov 23, 2013, 6:06 pm
#114
Join Date: Nov 2012
Posts: 657
Nov 25, 2013, 11:55 am
#116
Join Date: Sep 2013
Programs: AS, AA, UR, SPG,
Posts: 101
maybe I am just skeptical.
anybody been shut down for heavy MS with this promo???
Nov 25, 2013, 5:16 pm
#117
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
I dont think its a mater of them shutting us down as much as it is us getting fed up with them and bailing.. Example I wasted about a month of time because I did not pay from a WF account... they dont release credit line for up yo 2 weeks from payment date
This effectively forces people to open a checking account with them . My guess they are betting people will forget to maintain accounts and they will be able to charge fees... ETC
Also I just found out today that they blacklist some banks to where they wont accept payments from them through WF online ,and if you want to pay from such an account you have to send a check or use that bank's bill pay service EX Gobank
This effectively forces people to open a checking account with them . My guess they are betting people will forget to maintain accounts and they will be able to charge fees... ETC
Also I just found out today that they blacklist some banks to where they wont accept payments from them through WF online ,and if you want to pay from such an account you have to send a check or use that bank's bill pay service EX Gobank
Nov 25, 2013, 5:24 pm
#118
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
on the bright side
hope this card gets real Chip and pin soon otherwise its getting put away in my closet until better days after 6 months.... I only have 2K limit on it vs other banks 10k+ limit, and thats with me being an WF customer for about 3 years
hope this card gets real Chip and pin soon otherwise its getting put away in my closet until better days after 6 months.... I only have 2K limit on it vs other banks 10k+ limit, and thats with me being an WF customer for about 3 years
Nov 26, 2013, 3:54 pm
#119
Join Date: Sep 2013
Programs: AS, AA, UR, SPG,
Posts: 101
I suspect that they don't give out large CLs to new customers. Per say If I get a 5K cl I'd probably do 80% of it, 4K, which is pretty good. however if you get a 2 or 3K CL. I don't know if it's worth the pull, if no bonus...
though, if WF is getting in the CC business to gain market share, you might as well get started with WF and be in line for future offers...
though, if WF is getting in the CC business to gain market share, you might as well get started with WF and be in line for future offers...
Nov 27, 2013, 10:43 am
#120
Join Date: Sep 2011
Location: UK
Posts: 223
I dont think its a mater of them shutting us down as much as it is us getting fed up with them and bailing.. Example I wasted about a month of time because I did not pay from a WF account... they dont release credit line for up yo 2 weeks from payment date
This effectively forces people to open a checking account with them . My guess they are betting people will forget to maintain accounts and they will be able to charge fees... ETC
Also I just found out today that they blacklist some banks to where they wont accept payments from them through WF online ,and if you want to pay from such an account you have to send a check or use that bank's bill pay service EX Gobank
This effectively forces people to open a checking account with them . My guess they are betting people will forget to maintain accounts and they will be able to charge fees... ETC
Also I just found out today that they blacklist some banks to where they wont accept payments from them through WF online ,and if you want to pay from such an account you have to send a check or use that bank's bill pay service EX Gobank
This is not correct. I have the 5% cashback card and so far have spent $2500 in 3 weeks on it for VR, and have made payments via BB to it and the credit line was freed up. You don't have to wait 2 weeks from the pmt date, not sure why you thought that.