Jan 5, 2016, 9:49 pm

FlyerTalk Forums Expert How-Tos and Guides

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

Wells Fargo Platinum 5X Grocery-Gas-Drugstores(2014-2015)

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Jan 19, 2015, 9:28 am

#106

DaveInLA

Join Date: Sep 2012

Posts: 4,431

Those who had their cards closed, did this affect your checking and savings accounts? Or mortgage?

Jan 19, 2015, 10:07 am

#107

cyberkost

Join Date: Mar 2008

Posts: 56

Quote:

Originally Posted by DaveInLA

Those who had their cards closed, did this affect your checking and savings accounts? Or mortgage?

It's not like they can call your mortgage early, but checking and savings will be toast.

Jan 19, 2015, 10:22 am

#108

ronnyk

Join Date: Dec 2011

Posts: 253

Quote:

Originally Posted by weezl

Whether or not they can tell what you buy at the grocery store is the key. Only data points going forward will tell.

The key is whether or not WF suspects what you are buying at the grocery store falls outside the terms. Amex shut lots of people down from OBC over the past two months based upon its suspicions given volume (and, in my opinion, analytics concerning purchase patterns and amounts that happen to coincide with $500 GC + activation fees).

Let's be honest-- somebody didn't just wake up one morning and randomly decide to update the terms. The change came about because WF already suspects that people are using the card for MSing and it is realizing it is paying out more than anticipated/modeled for cashback benefits. The term changes will allow WF to do what Amex has already done. It is just a matter of time before the detection processes catch up with the term restrictions.

Jan 19, 2015, 10:28 am

#109

Mamibear

Join Date: Jul 2014

Posts: 3,688

Quote:

Originally Posted by ronnyk

I agree. And they have made the revisions of T&C ahead of time to inform their clients so they know what they can expect. Outright ignoring of such revisions will not save anyone from AA, should it come anytime later.

as always, it's a gamble. no one can stop those determined to do what they want; they're also the only ones who rake in the benefits (or AA) later.

Jan 19, 2015, 2:11 pm

#110

ntjane66

Join Date: Sep 2009

Posts: 144

I made several vgc purchases on 01-14-15. They are showing in my rewards activity as paying 1% but showing 0 for the 5% bonus. I would proceed with caution.

Jan 19, 2015, 2:37 pm

#111

ericdabbs

Join Date: Dec 2013

Posts: 3,507

Quote:

Originally Posted by ntjane66

I made several vgc purchases on 01-14-15. They are showing in my rewards activity as paying 1% but showing 0 for the 5% bonus. I would proceed with caution.

Hmm...that is interesting. I guess we need to see more data points to see if this is a game changer.

Jan 19, 2015, 3:52 pm

#112

MaxVO

Join Date: Feb 2012

Posts: 4,477

Quote:

Originally Posted by ericdabbs

Hmm...that is interesting. I guess we need to see more data points to see if this is a game changer.

Agreed. It'd be helpful to know what triggers the 5% to 1% switch. Is it the amount, e.g. >$200 or >$500?

Jan 19, 2015, 4:17 pm

#113

littlewinglet

Join Date: Oct 2014

Programs: All of them

Posts: 1,664

Quote:

Originally Posted by MaxVO

Agreed. It'd be helpful to know what triggers the 5% to 1% switch. Is it the amount, e.g. >$200 or >$500?

I got full points on my GC purchases (over $4k worth) from the evening of 1/14. Whoever is in their last month, or has no pending rewards should go try it out now. I'd do it but I'm waiting on pending rewards to post first.

According to the new terms, GCs should earn NO points at all, not just 1x, so poster above who got no bonus might not be reading the report correctly.

Jan 19, 2015, 4:34 pm

#114

DeErEtYn

Join Date: May 2012

Location: NYC

Programs: UA-1K

Posts: 242

Quote:

Originally Posted by ntjane66

I made several vgc purchases on 01-14-15. They are showing in my rewards activity as paying 1% but showing 0 for the 5% bonus. I would proceed with caution.

I made a few gc purchases 1/14/2015 - 1/15/2015 at drugstores. All showing 1% + extra 4%.

To test out the new reward terms, I made a single ~$500 gc purchase 1/16/2015 at a drugstore. Also showing 1% + extra 4%.

My statement should close in a few days. No more gc purchases until then

Jan 19, 2015, 7:29 pm

#115

ericdabbs

Join Date: Dec 2013

Posts: 3,507

Quote:

Originally Posted by littlewinglet

Lets hope that the OP was reading the report incorrectly.

Jan 19, 2015, 9:08 pm

#116

ntjane66

Join Date: Sep 2009

Posts: 144

Quote:

Originally Posted by ericdabbs

Lets hope that the OP was reading the report incorrectly.

Bonus time frame had ended please ignore my post.

Last edited by ntjane66; Jan 21, 2015 at 8:40 am Reason: Bonus time frame had ended.

Jan 19, 2015, 9:31 pm

#117

lumangoy

Join Date: Sep 2014

Posts: 1,837

Quote:

Originally Posted by ntjane66

I am sure I am reading it correctly.
Bonus Earning 3082 1/16/2015 5X Cash Back for Gas, Grocery & Drug Store for 6 Months $2,023.80 0 Pending
Base Earning 3082 1/16/2015 SAFEWAY STORE00040022 BURKE VA $2,529.75 2,530 Pending
Base Earning 3082 1/16/2015 SAFEWAY STORE00040022 BURKE VA $2,529.75 2,530 Pending
Base Earning 3082 1/16/2015 SAFEWAY STORE00040014 FAIRFAX VA $2,023.80 2,024 Pending
Bonus Earning 3082 1/16/2015 5X Cash Back for Gas, Grocery & Drug Store for 6 Months $2,529.75 0 Pending
Bonus Earning 3082 1/16/2015 5X Cash Back for Gas, Grocery & Drug Store for 6 Months $2,529.75 0 Pending
Base Earning 3082 1/15/2015 SAFEWAY STORE00040022 BURKE VA $2,023.80 2,024 Pending

5000+ in one day? WF will definitely scrutinize those transactions.

Jan 19, 2015, 11:21 pm

#118

ericdabbs

Join Date: Dec 2013

Posts: 3,507

Quote:

Originally Posted by lumangoy

5000+ in one day? WF will definitely scrutinize those transactions.

The amount is not the issue so lets forget about that.

Quote:

Originally Posted by ntjane66

That is very interesting. I wonder what is going here.

Jan 20, 2015, 5:00 am

#119

MG49

Join Date: Dec 2014

Location: VA

Posts: 147

I got this card at the end of December. My first statement just closed yesterday. All my grocery transactions have posted with the base and bonus rewards. My last GC purchase was done on 1/16 and that has posted with the bonus too.

Jan 20, 2015, 5:03 am

#120

MG49

Join Date: Dec 2014

Location: VA

Posts: 147

Bonus Earning 3117 1/19/2015 5X Cash Back for Gas, Grocery & Drug Store for 6 Months $390.12 1,560 Available
Base Earning 3117 1/19/2015 GIANT 0243 STAFFORD VA $390.12 390 Available

This is from my rewards account. The purchase was on 1/16, it posted on the 19th. (And yes, I'm new. I've been doing some odd amounts kind of testing the waters first.)