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 14, 2015, 7:06 am
#391
Join Date: Jan 2014
Posts: 166
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.
I wonder what their parameters for review are? I have been doing 2K-5K payments every day or so.
Jun 14, 2015, 8:07 am
#392
Join Date: Feb 2015
Posts: 69
Interesting. I know they hold payments and I saw that the CL did not increase once the payments hit. But I was really confused when it just dropped for "no reason". So, it seems that when they flag an account for review all CL is reduced to zero until a human resets it?
I wonder what their parameters for review are? I have been doing 2K-5K payments every day or so.
I wonder what their parameters for review are? I have been doing 2K-5K payments every day or so.
Jun 14, 2015, 7:17 pm
#393
Join Date: Aug 2013
Location: DFW
Programs: AA, UA, SPG, BA, HH
Posts: 122
What are the differences between platinum and signature
thanks
thanks
Last edited by facehu; Jun 14, 2015 at 8:18 pm
Jun 14, 2015, 9:12 pm
#394
Join Date: May 2015
Posts: 441
google is your friend
https://www.wellsfargo.com/credit-cards/
https://www.wellsfargo.com/credit-cards/
Jun 14, 2015, 9:16 pm
#395
Join Date: Aug 2013
Location: DFW
Programs: AA, UA, SPG, BA, HH
Posts: 122
The platinum listed in wf website does not have 5%. I was talking about the 5% platinum vs signature. I could not find it.
Jun 14, 2015, 9:21 pm
#396
Join Date: Sep 2005
Location: New England
Programs: AA Exec Plat, Hyatt Globalist, Jetblue Mosaic (past)
Posts: 298
Noticed that the WF card lists "Revolving Line Of Credit" which means that it isn't a hard credit limit like most cards so I'm wondering if people can share experiences (both good and bad) with exceeding the "Revolving Line of Credit" and whether charges get rejected or you get hit with lots of Fraud Alerts. I have a $7k CL so I'm not talking about doing like $5k over but maybe an extra $2k or $3k since my 5x period ends on 6/21 and I wanna max it out for all it is worth. Clearly using WF checking account as the exclusive payment method.
Jun 14, 2015, 10:40 pm
#397
Join Date: Sep 2014
Posts: 1,837
Noticed that the WF card lists "Revolving Line Of Credit" which means that it isn't a hard credit limit like most cards so I'm wondering if people can share experiences (both good and bad) with exceeding the "Revolving Line of Credit" and whether charges get rejected or you get hit with lots of Fraud Alerts. I have a $7k CL so I'm not talking about doing like $5k over but maybe an extra $2k or $3k since my 5x period ends on 6/21 and I wanna max it out for all it is worth. Clearly using WF checking account as the exclusive payment method.
Jun 15, 2015, 12:24 am
#398
Join Date: Jan 2014
Posts: 166
Maybe there is some algorithm that says that if 4 or more payments are still pending, then as soon as a charge > X comes in, freeze the card until some of the payment clear? Just a guess. But I am starting to doubt that any humans are actually clearing any of this activity.
Jun 20, 2015, 4:26 am
#399
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 1,665
So my credit line went to zero on Friday at 11 PM and tonight around 11 PM on Sunday, the available credit line went back up to 7K. I doubt there are people in the "manual review" department working on Sundays. This makes me doubt the whole manual review. Its gotta be something else.
Maybe there is some algorithm that says that if 4 or more payments are still pending, then as soon as a charge > X comes in, freeze the card until some of the payment clear? Just a guess. But I am starting to doubt that any humans are actually clearing any of this activity.
Maybe there is some algorithm that says that if 4 or more payments are still pending, then as soon as a charge > X comes in, freeze the card until some of the payment clear? Just a guess. But I am starting to doubt that any humans are actually clearing any of this activity.
Multiple payments likely have something to do with it. It's easier for us to MS 1 day on the weekend and knock out 15-20 payments.
Jun 21, 2015, 8:35 am
#400
Join Date: Jun 2015
Posts: 8
How many times can I safely recycle my credit limit per billing cycle? I use a WF checking to pay. I've been doing 5x per month but would like to do 10-15 before my promo ends.
Jun 21, 2015, 12:43 pm
#401
Join Date: May 2015
Posts: 441
Wife and I cycled ours ~3x per week on average when we had ours last year. However, who knows what is 'safe' as some have been shut down for less and other have gotten away with more
Last edited by travelfreaks; Jun 21, 2015 at 12:54 pm
Jun 21, 2015, 1:52 pm
#402
Join Date: Aug 2012
Posts: 142
That's awesome.
Wish I could get payments through that quick. Have an 18k CL and trying to do ~50k/month, even that is pushing it with pushing and payments clearing the credit available.
Wish I could get payments through that quick. Have an 18k CL and trying to do ~50k/month, even that is pushing it with pushing and payments clearing the credit available.
Jun 25, 2015, 12:24 am
#403
Join Date: Oct 2013
Posts: 120
Made a payment with my RedBird (I know that I should have pushed money to my checking account first), but it didn't free up the credit limit. Today, a small transaction got denied and I was able to speak with a representative and get it removed. However, my credit limit is still not freed up - guess I will have to either it out. Hope it isn't more serious than this. Any thoughts?
Last edited by Yeshu JP; Jun 25, 2015 at 12:44 am
Jun 25, 2015, 12:30 am
#404
Join Date: May 2015
Posts: 441
Jun 25, 2015, 12:32 am
#405
Join Date: May 2015
Posts: 441
Made a payment with my RedBird (I know that I should have pushed money to my checking account first), but it didn't free up the credit limit. Today, a small transaction got denied and I was able to speak with a representative and get it removed. However, my credit limit is still not freed up - guess I will have to either wait it out. Hope it isn't more serious than this. Any thoughts?
.