Jan 6, 2016, 8:17 pm
Last edit by: RedSun
This is the thread for 2016. The previous megathread is here.
The current WF cards that earn 5x Go Far Rewards points (WF points) are WF Visa Signature card and WF Rewards card. The 5x introductory period is 6 months, then they earn just 1x WF points. Each card is now capped the 5x at $12,500. (Updated Mar-2019)
Wells Fargo Visa Signature card:
https://www.wellsfargo.com/credit-cards/visa-signature/
Wells Fargo Visa Rewards Card:
https://www.wellsfargo.com/credit-cards/rewards/
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 MS 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
The current WF cards that earn 5x Go Far Rewards points (WF points) are WF Visa Signature card and WF Rewards card. The 5x introductory period is 6 months, then they earn just 1x WF points. Each card is now capped the 5x at $12,500. (Updated Mar-2019)
Wells Fargo Visa Signature card:
https://www.wellsfargo.com/credit-cards/visa-signature/
Wells Fargo Visa Rewards Card:
https://www.wellsfargo.com/credit-cards/rewards/
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 MS 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 at Grocery-Gas-Drugstores(2016 onwards)
Aug 23, 2016, 8:11 pm
#721
Join Date: Jan 2016
Posts: 132
I'm on my 2nd card, and when I tried to ramp up in month 3 I got the letter. Card is still alive but just doing 1x CL per month.. which sucks compared to being able to cycle CL every 2 days on the previous card.
Aug 24, 2016, 9:35 am
#722
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,407
There's no way in hell I would stop before spending my limit.
I'm on my 2nd card, and when I tried to ramp up in month 3 I got the letter. Card is still alive but just doing 1x CL per month.. which sucks compared to being able to cycle CL every 2 days on the previous card.
I'm on my 2nd card, and when I tried to ramp up in month 3 I got the letter. Card is still alive but just doing 1x CL per month.. which sucks compared to being able to cycle CL every 2 days on the previous card.
Aug 24, 2016, 9:52 am
#723
Join Date: Jan 2016
Posts: 132
I know, I only pay after it posts now. The last week or two with the card I'm going to go buckwild.
Aug 24, 2016, 11:01 am
#724
Join Date: Dec 2004
Programs: UA-1K, MM, Hilton-Diamond, Marriott-Titanium
Posts: 4,431
I was shut down this week. Got the letter when everybody else did but continued and just did the 15k CL. Spent 6k total at CVS over a week period and the hammer came down. Went to buy again the other day and got card blocked. Logged on to WF and got message account is closed.
Aug 25, 2016, 6:13 am
#725
Join Date: Jul 2014
Posts: 3,688
I was shut down this week. Got the letter when everybody else did but continued and just did the 15k CL. Spent 6k total at CVS over a week period and the hammer came down. Went to buy again the other day and got card blocked. Logged on to WF and got message account is closed.
having a WF plat 5x card is like walking on eggshells especially for those who continuously spend on 'forbidden' items. It is obvious they are closely watching what people purchase.
Aug 25, 2016, 7:38 am
#726
Join Date: Feb 2016
Posts: 826
I was shut down this week. Got the letter when everybody else did but continued and just did the 15k CL. Spent 6k total at CVS over a week period and the hammer came down. Went to buy again the other day and got card blocked. Logged on to WF and got message account is closed.
Last edited by Gitangali; Aug 25, 2016 at 4:20 pm
Aug 25, 2016, 8:53 am
#727
Join Date: Dec 2004
Programs: UA-1K, MM, Hilton-Diamond, Marriott-Titanium
Posts: 4,431
So you stayed within your CL of 15K and still the hammer came down and you believe it could be because of CVS purchases of 6K over a week? not looking good. The days are numbered. CVS purchases of 6K in a week is oddball. Who does that? that may be a reason why they are easily able to detect this. I'm not sure if same would apply to Walmart as, people can spend a lot of money in Walmarts and it is not out of the norm.
Aug 25, 2016, 10:20 am
#729
Join Date: Aug 2013
Posts: 1,207
Aug 25, 2016, 11:21 am
#731
Join Date: Feb 2016
Posts: 826
Apparently not any more. Oh well, in the past it was a different thing when people were purchasing drugs worth 200K per month. Where was I back then?
It's like when you hear about all these young teachers messing up with boys in a school these days, you wonder where were all these teachers when I was growing up?
It's like when you hear about all these young teachers messing up with boys in a school these days, you wonder where were all these teachers when I was growing up?
Aug 25, 2016, 12:22 pm
#732
Join Date: Aug 2013
Posts: 1,207
Apparently not any more. Oh well, in the past it was a different thing when people were purchasing drugs worth 200K per month. Where was I back then?
It's like when you hear about all these young teachers messing up with boys in a school these days, you wonder where were all these teachers when I was growing up?
It's like when you hear about all these young teachers messing up with boys in a school these days, you wonder where were all these teachers when I was growing up?
Aug 25, 2016, 12:55 pm
#733
Join Date: Feb 2016
Posts: 826
You know when you have one of these cards, you often use all of your credit line. This pushes your credit card utilization and it has dinged my FICO score by 150 points from 810.
Once my utilization is down, will my FICO score go back up to where it had been? I'm sure many of you have experienced this. Don't want to take chance for Chase SR card with this score, as I'm already above 5/24.
I checked my score on credit Karma, they only update it once a week. I'm not sure how often credit agencies update their score which is what the credit card companies would check.
Once my utilization is down, will my FICO score go back up to where it had been? I'm sure many of you have experienced this. Don't want to take chance for Chase SR card with this score, as I'm already above 5/24.
I checked my score on credit Karma, they only update it once a week. I'm not sure how often credit agencies update their score which is what the credit card companies would check.
Aug 25, 2016, 1:01 pm
#734
Join Date: Sep 2014
Posts: 1,837
You know when you have one of these cards, you often use all of your credit line. This pushes your credit card utilization and it has dinged my FICO score by 150 points from 810.
Once my utilization is down, will my FICO score go back up to where it had been? I'm sure many of you have experienced this. Don't want to take chance for Chase SR card with this score, as I'm already above 5/24.
I checked my score on credit Karma, they only update it once a week. I'm not sure how often credit agencies update their score which is what the credit card companies would check.
Once my utilization is down, will my FICO score go back up to where it had been? I'm sure many of you have experienced this. Don't want to take chance for Chase SR card with this score, as I'm already above 5/24.
I checked my score on credit Karma, they only update it once a week. I'm not sure how often credit agencies update their score which is what the credit card companies would check.
So choose your poison
Aug 25, 2016, 1:38 pm
#735
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,407
I was shut down this week. Got the letter when everybody else did but continued and just did the 15k CL. Spent 6k total at CVS over a week period and the hammer came down. Went to buy again the other day and got card blocked. Logged on to WF and got message account is closed.