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
Oct 2, 2014, 10:49 am
#1111
Join Date: Feb 2006
Location: Coppell, TX
Programs: AA EXP (1M+), HH Diamond, Hyatt Diamond
Posts: 384
Strange - I went through my (almost) daily ritual of calling WF Fraud (1-877-575-0462) and got a message saying that particular number is no longer in service.
The message directed me to call 800-723-5533.
You've been warned!
The message directed me to call 800-723-5533.
You've been warned!
Oct 4, 2014, 9:31 pm
#1112
Join Date: Jul 2010
Programs: AA,DL,SPG,Hyatt
Posts: 141
I got my 5x card last month.
I can see "5X Cash Back for Gas, Grocery & Drug Store for 6 Months" in my offers.
People were mentioning about the 120k rewards cap, I am wondering where can I find that information?
thanks
I can see "5X Cash Back for Gas, Grocery & Drug Store for 6 Months" in my offers.
People were mentioning about the 120k rewards cap, I am wondering where can I find that information?
thanks
Oct 4, 2014, 10:05 pm
#1113
Join Date: Aug 2013
Posts: 240
Oct 7, 2014, 9:35 am
#1115
Join Date: Aug 2014
Posts: 194
is it possible to transfer CL from propel to 5X cash rewards card?
I heard some people got low CL on the WF 5X card.
Will some of the following be helpful?
1. apply for the propel card AMEX card first, and later apply for 5X card and transfer some CL from Propel to the new 5X card;
2. have a checking account at Wells Faro, and keep high balance cash money in the checking account, for several months before applying for the 5X card.
or any better ideas?
Will some of the following be helpful?
1. apply for the propel card AMEX card first, and later apply for 5X card and transfer some CL from Propel to the new 5X card;
2. have a checking account at Wells Faro, and keep high balance cash money in the checking account, for several months before applying for the 5X card.
or any better ideas?
Oct 7, 2014, 9:41 am
#1116
Join Date: Nov 2012
Posts: 116
I heard some people got low CL on the WF 5X card.
Will some of the following be helpful?
1. apply for the propel card AMEX card first, and later apply for 5X card and transfer some CL from Propel to the new 5X card;
2. have a checking account at Wells Faro, and keep high balance cash money in the checking account, for several months before applying for the 5X card.
or any better ideas?
Will some of the following be helpful?
1. apply for the propel card AMEX card first, and later apply for 5X card and transfer some CL from Propel to the new 5X card;
2. have a checking account at Wells Faro, and keep high balance cash money in the checking account, for several months before applying for the 5X card.
or any better ideas?
Call and ask for a CL increase to what you want. Worked for me. It was also within a month of approval so they didn't do another hard pull
Last edited by michael160; Oct 7, 2014 at 9:51 am
Oct 7, 2014, 11:18 pm
#1118
Suspended
Join Date: May 2012
Location: ORD
Programs: AA, UA, AS, DL, BA, F9, IHG Plat, HH Gold, CC Gold, SPG Gold, MR Silver
Posts: 1,786
Oct 7, 2014, 11:22 pm
#1119
Join Date: Jul 2012
Location: Heaven
Posts: 552
Glad I was able to do close to 130k in 6 months... Hit it as hard as you can. Pay using WF checkin..they don't like payments coming from other sources (WM BP was a exception somehow)
Oct 8, 2014, 5:42 am
#1120
Join Date: Nov 2012
Posts: 116
I can confirm the hard pull... that too within 3 days of getting the card. Aholes just gave a 2.5K credit line then bumped it to 5k.
Glad I was able to do close to 130k in 6 months... Hit it as hard as you can. Pay using WF checkin..they don't like payments coming from other sources (WM BP was a exception somehow)
Glad I was able to do close to 130k in 6 months... Hit it as hard as you can. Pay using WF checkin..they don't like payments coming from other sources (WM BP was a exception somehow)
Oct 9, 2014, 12:22 pm
#1121
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
10K should not cause any issues what so ever.
In my experience, even if you do 2x CL with your CL, you should be fine. Maybe start off with 10K for the first month and once you get comfortable, hit it hard.
In my experience, even if you do 2x CL with your CL, you should be fine. Maybe start off with 10K for the first month and once you get comfortable, hit it hard.
Oct 9, 2014, 3:54 pm
#1122
Join Date: Jun 2014
Posts: 51
The only problem with this card is the FP declines. I think the WF FP computer recognizes one store that I frequent. So only that store it goes through ok. The store a mile away declines. Because I don't want to deal with the FP agents I only use one store. But one store is very hard to do any meaningful spending.
Oct 10, 2014, 7:25 am
#1123
Join Date: Dec 2003
Location: CA
Programs: BA, AA, United
Posts: 429
I think no one here has been able to figure out the fraud alert algorithm. I have experienced random alerts, in some cases I have been able to MS 20K in a week w/o any alert and out of nowhere, the fraud suddenly kicks in. After more than 10days and over 20K spending, I got a decline last night. As some prev poster mentioned, have the FA team phone number handy and call them.
The only problem with this card is the FP declines. I think the WF FP computer recognizes one store that I frequent. So only that store it goes through ok. The store a mile away declines. Because I don't want to deal with the FP agents I only use one store. But one store is very hard to do any meaningful spending.
Oct 12, 2014, 10:04 pm
#1125
Join Date: May 2010
Location: SoCal
Programs: SPG PLAT, AA Plat (2MM), BA, UA/CO
Posts: 442
Go to the rewards site from your WF account and look under "offers." It will show you your end date.