Jan 5, 2016, 9:49 pm
Last edit by: Father-of-3
Churnable to get repeated 5x rewards?
Not possible
http://www.flyertalk.com/forum/22871522-post710.html
How to pay down CL quickly?
Use WF account to pay
Likely to get shut down if...?
- Cycling several times through your CL
- Cause a negative balance
- Have a really high balance
- Calling in and getting caught by human eyes on bestiality activities.
To check what your 5X/5% window is:
In your account summary page on WF website, go into the CC, and click "show my rewards" on the left side, then click "Visit Wells Fargo Rewards"
From there go to "Earn Rewards" on the top and click "My Offers" and go into the "Promotional Offers-Usage" tab.
To check which transactions get 5X/5% before your statement posts
To check if new transactions are eligible, go to "My Rewards" on the top, click "Activity", and set the start/end dates. You should see a "bonus earning" 4% for anything that's eligible.
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: 800-446-0664
Not possible
http://www.flyertalk.com/forum/22871522-post710.html
How to pay down CL quickly?
Use WF account to pay
Likely to get shut down if...?
- Cycling several times through your CL
- Cause a negative balance
- Have a really high balance
- Calling in and getting caught by human eyes on bestiality activities.
To check what your 5X/5% window is:
In your account summary page on WF website, go into the CC, and click "show my rewards" on the left side, then click "Visit Wells Fargo Rewards"
From there go to "Earn Rewards" on the top and click "My Offers" and go into the "Promotional Offers-Usage" tab.
To check which transactions get 5X/5% before your statement posts
To check if new transactions are eligible, go to "My Rewards" on the top, click "Activity", and set the start/end dates. You should see a "bonus earning" 4% for anything that's eligible.
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: 800-446-0664
Wells Fargo Platinum 5X Grocery-Gas-Drugstores(2014-2015)
Jun 5, 2015, 11:54 am
#376
Join Date: Sep 2005
Location: CVG
Programs: AAdvantage, Delta Skymiles, CapOne Venture, Citi ThankYou
Posts: 486
First of all, thanks for sharing your info - I find it very helpful. It's possible that your shutdown was a total coincidence. it may also be possible that since your account was one of only a small handful of reports of WF shutdown that the faxing activity caused someone, somewhere to put eyes on your account. When that happened, someone may have gotten spooked seeing so many MO deposits. The bill payments wouldn't necessarily be an issue - it's the deposits that would have sent up red flags, and that is exactly the reason they gave for account closure. Not saying it's definitely what happened, but it is quite a coincidence.
Jun 5, 2015, 12:49 pm
#377
Join Date: Aug 2013
Posts: 714
I was FINALLY able to purchase one gift card at Randalls with this card. Going to try again tonight.
Jun 5, 2015, 10:33 pm
#378
Join Date: May 2015
Posts: 441
Your assumption is without foundation. I was closed but it was checking due to MO deposits.
The hold removal via the High Dollar desk is a BAU function for WF cards. Like all compartmented corporate entities the left hand has little knowledge of the right.
This is an extremely effective method for pushing volume.
The hold removal via the High Dollar desk is a BAU function for WF cards. Like all compartmented corporate entities the left hand has little knowledge of the right.
This is an extremely effective method for pushing volume.
Jun 6, 2015, 8:05 am
#379
Join Date: Sep 2014
Posts: 1,837
Not sure if my account is closed but there's a note online that my account is limited. Glad ive hit my 6th month.
I really pushed it the last month making multiple payments.
I really pushed it the last month making multiple payments.
Jun 6, 2015, 8:12 am
#380
Join Date: Aug 2014
Location: Dallas
Programs: AA, Southwest
Posts: 175
Probably just have to call in to the fraud department and verify charges. My account was like that a few times before calling in.
Jun 6, 2015, 9:22 am
#381
Join Date: Feb 2012
Location: Los Angles
Posts: 2,101
My 6th month anniversary date is 6/17 but the promotional offer end date on the rewards page is 6/25.
Does it mean I get 1 week extra 5%?
Does it mean I get 1 week extra 5%?
Jun 8, 2015, 9:10 am
#383
Join Date: Aug 2012
Posts: 142
This may sound stupid, but as someone who has never "pushed" or "pulled" payments before, are you all talking about the ACH payments that are often fee based?
I've never needed to clear up credit line quickly before, so I'm new to the whole concept.
Will mainly be using BOA and DCU.
I've never needed to clear up credit line quickly before, so I'm new to the whole concept.
Will mainly be using BOA and DCU.
Jun 8, 2015, 9:34 am
#384
Suspended
Join Date: May 2010
Posts: 2,998
This may sound stupid, but as someone who has never "pushed" or "pulled" payments before, are you all talking about the ACH payments that are often fee based?
I've never needed to clear up credit line quickly before, so I'm new to the whole concept.
Will mainly be using BOA and DCU.
I've never needed to clear up credit line quickly before, so I'm new to the whole concept.
Will mainly be using BOA and DCU.
Push implies you initiate payment from the payer side (i.e. your bank account bill pay feature) - pushing money into the account
Fees may be incurred depending on how you go about making the push/pull
Jun 9, 2015, 5:33 am
#385
Join Date: Feb 2015
Posts: 69
Just approved for a $9k CL. Couldn't get a higher CL, but they're expediting the card at no charge.
Jun 9, 2015, 7:46 am
#386
Join Date: Jul 2013
Posts: 1,036
This may sound stupid, but as someone who has never "pushed" or "pulled" payments before, are you all talking about the ACH payments that are often fee based?
I've never needed to clear up credit line quickly before, so I'm new to the whole concept.
Will mainly be using BOA and DCU.
I've never needed to clear up credit line quickly before, so I'm new to the whole concept.
Will mainly be using BOA and DCU.
Jun 13, 2015, 8:15 pm
#388
Join Date: Jan 2014
Posts: 166
Available Credit drops to 0 (zero)
I have been using this card for about 50 days now. I have been paying this card off my pushing/pulling directly from other banks, etc.. In other words, I am not using the Checking account. Please do not reply about this. I know that its better to transfer from checking. That is not my concern.
The last week, what I have seen is that my available credit limit will be $8,000, then I will go and put through a 4,000 purchase. When I wake up the next morning, my available credit drops to zero. Then yesterday, it went back up to 5,000. I bought 2,000 and again this morning its back to zero.
I do have a bunch of payments from earlier that have not "cleared" yet, but I am confused how purchases can be dropping the credit limit to zero this way.
Has anyone else experienced this?
The last week, what I have seen is that my available credit limit will be $8,000, then I will go and put through a 4,000 purchase. When I wake up the next morning, my available credit drops to zero. Then yesterday, it went back up to 5,000. I bought 2,000 and again this morning its back to zero.
I do have a bunch of payments from earlier that have not "cleared" yet, but I am confused how purchases can be dropping the credit limit to zero this way.
Has anyone else experienced this?
Jun 13, 2015, 9:39 pm
#389
Join Date: May 2015
Posts: 441
I have been using this card for about 50 days now. I have been paying this card off my pushing/pulling directly from other banks, etc.. In other words, I am not using the Checking account. Please do not reply about this. I know that its better to transfer from checking. That is not my concern.
The last week, what I have seen is that my available credit limit will be $8,000, then I will go and put through a 4,000 purchase. When I wake up the next morning, my available credit drops to zero. Then yesterday, it went back up to 5,000. I bought 2,000 and again this morning its back to zero.
I do have a bunch of payments from earlier that have not "cleared" yet, but I am confused how purchases can be dropping the credit limit to zero this way.
Has anyone else experienced this?
The last week, what I have seen is that my available credit limit will be $8,000, then I will go and put through a 4,000 purchase. When I wake up the next morning, my available credit drops to zero. Then yesterday, it went back up to 5,000. I bought 2,000 and again this morning its back to zero.
I do have a bunch of payments from earlier that have not "cleared" yet, but I am confused how purchases can be dropping the credit limit to zero this way.
Has anyone else experienced this?
Jun 14, 2015, 6:28 am
#390
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,665
If you're seeing the 0 available CL, it means that WF is manually reviewing your payments (too many have landed, over CL, etc). They are then holding the payments for 3-7 business days. Reason you are seeing the CL drop to 0 is that when they hold the payments it doesn't release the CL, or it takes back CL that was previously available. When you start purchasing, it really throws accounting for what's going on into a big loop.