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
Feb 1, 2015, 12:59 pm
#1246
Join Date: Aug 2013
Posts: 415
Read this thread and you'll find that Serve/BB are not really good options unless you don't want your payment applied for 2 weeks. External accounts mean other banks.
Feb 2, 2015, 9:27 am
#1247
Join Date: Aug 2013
Posts: 78
Have had this card for 4 months. I've paid with Serve, WF Checking, and BofA checking. Not surprisingly, WF checking is the fastest, the CL pops up quickly before 24 hrs. External accounts that are already recognized by WF (part of the payment drop down list) like BofA get processed quickly as well but may take an extra day. Serve, Bluebird take anywhere from 4 to 7 days in my experience. Never had to wait 2 weeks personally. I've also never had my CL held back once a payment is recognized by the system even as pending. I know others report having to wait a week or two to get there CL raised even after payment.
Feb 2, 2015, 10:59 am
#1248
Join Date: May 2014
Posts: 191
Do you have a Platinum or Signature? Thanks!
Have had this card for 4 months. I've paid with Serve, WF Checking, and BofA checking. Not surprisingly, WF checking is the fastest, the CL pops up quickly before 24 hrs. External accounts that are already recognized by WF (part of the payment drop down list) like BofA get processed quickly as well but may take an extra day. Serve, Bluebird take anywhere from 4 to 7 days in my experience. Never had to wait 2 weeks personally. I've also never had my CL held back once a payment is recognized by the system even as pending. I know others report having to wait a week or two to get there CL raised even after payment.
Feb 2, 2015, 12:10 pm
#1249
Join Date: Mar 2006
Posts: 43
In my personal experience. I had a signature card, any payments applied as soon as posted, either Walmart billpay, BB, Serve. WF was the only one that was instant.
My brother has a platinum card. He has a 4-7 day wait on Walmart, BB, or Serve/RB. For WF checking it's instant.
My brother has a platinum card. He has a 4-7 day wait on Walmart, BB, or Serve/RB. For WF checking it's instant.
Feb 2, 2015, 1:30 pm
#1250
Join Date: May 2014
Posts: 191
Thank for the info, Jb! I had a platinum last year but my wife just got a Signature one. Great to know that Signature payments are still "instant".
In my personal experience. I had a signature card, any payments applied as soon as posted, either Walmart billpay, BB, Serve. WF was the only one that was instant.
My brother has a platinum card. He has a 4-7 day wait on Walmart, BB, or Serve/RB. For WF checking it's instant.
My brother has a platinum card. He has a 4-7 day wait on Walmart, BB, or Serve/RB. For WF checking it's instant.
Feb 3, 2015, 1:22 pm
#1253
Join Date: Nov 2012
Posts: 116
yes and yes. Usual fraud alert problems. I'm usually good for 1 large purchase a day without issue. Today my 1st purchase kept getting declined - had to have fraud specialist's supervisor override something on the card, which finally worked.
Feb 3, 2015, 1:52 pm
#1255
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Thanks! good to know they're not policing their new terms too hard.
Feb 3, 2015, 11:16 pm
#1256
Join Date: Jun 2014
Location: Pacific NW
Programs: AS MVP, Hyatt Diamond
Posts: 126
My statement closes in a few days. I cut way back on MS to see what happens with the 5x. So far the bonus points are there and showing as pending. Has anyone had a statement close that had significant MS after Jan 15? Did those bonus points post for you?
Feb 4, 2015, 9:06 am
#1257
Join Date: Aug 2013
Posts: 78
Feb 4, 2015, 9:11 am
#1258
Join Date: Aug 2013
Posts: 78
I've had this card for 4 months. Has anyone made an outside payment with Serve or Bluebird or ? that was OVER $5,000? I plan on making one for around $8,000. My concern is this. My BofA account is tied into WF. I set that up with WF. It's in their drop down list as an approved payment. When I attempted to make payment of $6,000 it would not go through. Said I've exceeded the max amount allowed for an external payment. So I tried $5500, then $5100. Only when I did an even $5,000 did it work. I'm just wondering if the same rules apply to accounts such as Serve or Bluebird. Don't want WF rejecting a payment because it exceeds some internal limit they don't disclose.
I know some will say just break the $8,000 payment into 2 x $4,000 but someone also mentioned that you can only make a total of 5 payments per cycle before they cut you off. Want to make them as large as possible.
I know some will say just break the $8,000 payment into 2 x $4,000 but someone also mentioned that you can only make a total of 5 payments per cycle before they cut you off. Want to make them as large as possible.
Feb 4, 2015, 10:57 am
#1259
Join Date: May 2014
Posts: 191
I can confirm that the limit is 5k if you pay from an external account on WF website. You are probably are doing that as well, but I transfer money from other banks into my WF checking and then pay a big amount. Initially the transfer is limited at 2k per transaction and 6k per month. But it goes up as time goes on.
I am interested in knowing the "tolerance level" of WF for outside billpay as well.
I am interested in knowing the "tolerance level" of WF for outside billpay as well.
I've had this card for 4 months. Has anyone made an outside payment with Serve or Bluebird or ? that was OVER $5,000? I plan on making one for around $8,000. My concern is this. My BofA account is tied into WF. I set that up with WF. It's in their drop down list as an approved payment. When I attempted to make payment of $6,000 it would not go through. Said I've exceeded the max amount allowed for an external payment. So I tried $5500, then $5100. Only when I did an even $5,000 did it work. I'm just wondering if the same rules apply to accounts such as Serve or Bluebird. Don't want WF rejecting a payment because it exceeds some internal limit they don't disclose.
I know some will say just break the $8,000 payment into 2 x $4,000 but someone also mentioned that you can only make a total of 5 payments per cycle before they cut you off. Want to make them as large as possible.
I know some will say just break the $8,000 payment into 2 x $4,000 but someone also mentioned that you can only make a total of 5 payments per cycle before they cut you off. Want to make them as large as possible.
Feb 4, 2015, 11:31 pm
#1260
Join Date: May 2011
Location: Bay Area, CA
Programs: SPG, Hyatt Diamond Member, Club Calrson Silver, AA, Hilton Gold, BA
Posts: 476
does anyone know how I can check if a certain target gives me 5% on my loads on the wells fargo website before statement cutoff? That way I dont have to wait a whole statement cycle?