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
Apr 16, 2015, 2:54 pm
#1351
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
Just had the card for couple of days and it is already pissing me off. All my Large transactions keep getting declined. I even called in before I went to load my Redcard and it would still be declined. Called Wells Fargo to release the transaction, it goes through but try to load the card once more and it was declined. Called customer service to release and this time it was declined again. How long will this be going on for until my purchases go through with no problems? Any tips? Thanks in advance.
Lately every time I get a decline, I swipe again and it goes through the 2nd time. Not sure if it has to do with me having the card for 5 months, or it's a new feature. I stopped having constant alerts after the first month or two.
Apr 16, 2015, 11:31 pm
#1352
Join Date: Oct 2014
Posts: 62
Don't believe them.
I had the same thing happen with me. I got the application department to verify to me twice that I would qualify for the 5%. However, after getting the card, it was not applying. After many calls and "cases" being opened, the rewards department told me I did not qualify because I had a WF card open from years ago (that I haven't used for years). I was pretty mad and told them this was a bait and switch.
The rewards department person said the sales and credit card department people keep telling people the wrong information about qualifying.
I had the same thing happen with me. I got the application department to verify to me twice that I would qualify for the 5%. However, after getting the card, it was not applying. After many calls and "cases" being opened, the rewards department told me I did not qualify because I had a WF card open from years ago (that I haven't used for years). I was pretty mad and told them this was a bait and switch.
The rewards department person said the sales and credit card department people keep telling people the wrong information about qualifying.
Had another response about their prior email. Here it is:
I appreciate you taking the time to email us back with a follow up
concern about applying for a Visa Signature Card. I am happy to provide
you with further information and assistance regarding this matter.
Also, I am sorry that I was not able to reach you at the preferred
number you provided us in your account profile. You may have received
the message I left on your voicemail.
If you apply for a Visa Signature Credit Card and for any unknown reason
the 5%, 6 month cash back isn't automatically added to the card, it can
be manually added so there is zero risk in your using a hard pull/credit
inquiry when applying.
concern about applying for a Visa Signature Card. I am happy to provide
you with further information and assistance regarding this matter.
Also, I am sorry that I was not able to reach you at the preferred
number you provided us in your account profile. You may have received
the message I left on your voicemail.
If you apply for a Visa Signature Credit Card and for any unknown reason
the 5%, 6 month cash back isn't automatically added to the card, it can
be manually added so there is zero risk in your using a hard pull/credit
inquiry when applying.
Apr 19, 2015, 1:44 am
#1353
Join Date: Dec 2014
Location: VA
Posts: 147
Just adding a data point on payments because it definitely does vary between people's accounts. Made a $4800 payment request on 4/15 from my RB account. Payment posted on 4/17 and available credit was there by 4/18.
Not sure why many people are having long delays with external payments.
Not sure why many people are having long delays with external payments.
Apr 19, 2015, 12:26 pm
#1355
Join Date: Sep 2013
Posts: 877
Wells Fargo 5X rewards cap
Why do people not put some cash in their WF checking accounts and send the payment directly?
You're risking getting yourself in trouble if you're so broke you can't set aside a few thousand dollars for payments when playing this game.
You're risking getting yourself in trouble if you're so broke you can't set aside a few thousand dollars for payments when playing this game.
Apr 19, 2015, 12:42 pm
#1356
Join Date: Mar 2010
Posts: 1,173
to some people this isn't a game, it's a job.... those people don't have the money to float and have to cycle things carefully to avoid an interest payment that would ruin things for them.....and some people are hogs that do more than they should, or can afford.....working with 2 redbirds and a 13k CL I have run my monthly limit up and paid the bill without ever buying a MO.
Apr 19, 2015, 2:46 pm
#1357
Join Date: Sep 2013
Posts: 877
to some people this isn't a game, it's a job.... those people don't have the money to float and have to cycle things carefully to avoid an interest payment that would ruin things for them.....and some people are hogs that do more than they should, or can afford.....working with 2 redbirds and a 13k CL I have run my monthly limit up and paid the bill without ever buying a MO.
Apr 19, 2015, 3:07 pm
#1358
Join Date: Oct 2014
Programs: All of them
Posts: 1,664
to some people this isn't a game, it's a job.... those people don't have the money to float and have to cycle things carefully to avoid an interest payment that would ruin things for them.....and some people are hogs that do more than they should, or can afford.....working with 2 redbirds and a 13k CL I have run my monthly limit up and paid the bill without ever buying a MO.
Apr 19, 2015, 6:11 pm
#1359
Join Date: Nov 2009
Posts: 774
to some people this isn't a game, it's a job.... those people don't have the money to float and have to cycle things carefully to avoid an interest payment that would ruin things for them.....and some people are hogs that do more than they should, or can afford.....working with 2 redbirds and a 13k CL I have run my monthly limit up and paid the bill without ever buying a MO.
If you do not have endless funds to float/spend/pay/recycle then you are not doing this correctly.
Apr 21, 2015, 1:29 pm
#1360
Join Date: Jul 2013
Posts: 1,036
to some people this isn't a game, it's a job.... those people don't have the money to float and have to cycle things carefully to avoid an interest payment that would ruin things for them.....and some people are hogs that do more than they should, or can afford.....working with 2 redbirds and a 13k CL I have run my monthly limit up and paid the bill without ever buying a MO.
Apr 21, 2015, 3:12 pm
#1361
Join Date: Aug 2013
Posts: 78
As someone else mentioned if this is your job you should have plenty of money to work with. Your severely limiting yourself without money orders. No one cares that you max out 2 redcards a month with WF. You could be making way more money. You can cycle your CL to your hearts content. I wish you would loan me your card and I'll give you a cut of the profits.
Apr 27, 2015, 3:04 pm
#1363
Join Date: Mar 2007
Posts: 375
Apr 27, 2015, 3:16 pm
#1364
Join Date: Sep 2013
Posts: 877
This freaking blows!! I'm using my partner's account and never applied for it because I have a WF platinum card from 15 years ago, which is my oldest card and is open