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Wells Fargo Platinum 5x at Grocery-Gas-Drugstores(2016 onwards)

Wells Fargo Platinum 5x at Grocery-Gas-Drugstores(2016 onwards)

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Old Mar 16, 19, 11:43 pm   -   Wikipost
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Last edit by: RedSun
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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
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Old Aug 29, 16, 12:12 pm
  #751  
 
Join Date: Oct 2014
Posts: 827
I think it really depends on your velocity during the time it was in the mail. If you were doing 1/2CL per day or more, I'd expect a full shutdown. If you were already somewhat in coasting mode, you have a better chance of slipping by.
CWAL is offline  
Old Aug 29, 16, 1:54 pm
  #752  
 
Join Date: Jun 2011
Posts: 159
Unusual spending/payments letter came in today's mail. Spent less than 1X credit line during first two statements. Card paid in full but I paid using several different bank accounts. Maybe that was the trigger. If this card is still alive next month, I will just make a single payment. I will try to cut back but much of the spend was normal day to day stuff. No $504.95 drug store purchases. Just a little confused here. Now that I am an active on their radar, I have feeling this is going to end badly.
babycakes01 is offline  
Old Aug 30, 16, 7:48 am
  #753  
 
Join Date: Feb 2016
Posts: 530
Need some data points from those who have received warning letters. Can you continue MSing up to 1 X CL? and single payment at the end of the statement cycle? Like how you would normally pay off your CC.

If they are monitoring purchases that exceed $500 or daily purchases of 1K, 2K then there is no way to dodge this, they will find it sooner or later.

I never thought my GOBank would outlast WF.
Gitangali is offline  
Old Aug 30, 16, 8:13 am
  #754  
 
Join Date: Dec 2015
Posts: 121
Originally Posted by Gitangali View Post
Need some data points from those who have received warning letters. Can you continue MSing up to 1 X CL? and single payment at the end of the statement cycle? Like how you would normally pay off your CC.

If they are monitoring purchases that exceed $500 or daily purchases of 1K, 2K then there is no way to dodge this, they will find it sooner or later.

I never thought my GOBank would outlast WF.
This approach worked back in June, spend < 1xCL and payment after billing cycle closed. This was after receiving the letter in May.
stuntgoats is offline  
Old Aug 31, 16, 9:59 am
  #755  
 
Join Date: Feb 2016
Posts: 530
Looks like there will be a pin drop silence on this thread in few months. I miss going to WM during lunch break to buy and liquidate.
Gitangali is offline  
Old Aug 31, 16, 12:21 pm
  #756  
 
Join Date: Mar 2007
Location: Midwest U.S.A
Programs: Too many to list. Since the early 90's.
Posts: 1,408
Originally Posted by Gitangali View Post
Need some data points from those who have received warning letters. Can you continue MSing up to 1 X CL? and single payment at the end of the statement cycle? Like how you would normally pay off your CC.

If they are monitoring purchases that exceed $500 or daily purchases of 1K, 2K then there is no way to dodge this, they will find it sooner or later.

I never thought my GOBank would outlast WF.
There are reports on here and other places from people who only used up to their cl, only paid the balance after statement closing and they still got shutdown when they tried ms'ing multiple times in a week at certain chains. So, they evidently are still monitoring and therefore even some of those who were being more careful still got closed down and rewards forfeited. If anyone is being more successful they should keep it to themselves because there's no sense getting other people's hopes up.
Churnman is offline  
Old Sep 2, 16, 7:03 am
  #757  
 
Join Date: May 2015
Posts: 1,080
Any recent data points on where which bureau(s) WF pulls credit from? I know they pulled from my TU at the beginning of the year, did not pull from equifax, but I can't see whether they did an experian pull.
cdog999 is offline  
Old Sep 3, 16, 10:33 am
  #758  
 
Join Date: Aug 2015
Posts: 794
darn, they just closed acct after doing $1k at walmart in early aug, and another $1k at a grocery store couple days ago with numerous normal purchases in btwn; lost out more than $20 in fees; received warning letter 2 mos ago; any chance to get the rewards pts?

anyone knows about how long i can apply for another CC with them?

Last edited by danhouston; Sep 3, 16 at 11:04 am
danhouston is offline  
Old Sep 7, 16, 9:24 am
  #759  
 
Join Date: Feb 2016
Posts: 530
Originally Posted by danhouston View Post
lost out more than $20 in fees;
Big loss man and you want to recover points for $2K purchases?
Gitangali is offline  
Old Sep 8, 16, 5:09 am
  #760  
 
Join Date: May 2015
Posts: 1,080
Originally Posted by cdog999 View Post
Any recent data points on where which bureau(s) WF pulls credit from? I know they pulled from my TU at the beginning of the year, did not pull from equifax, but I can't see whether they did an experian pull.
Anyone know if WF pulls from experian?
cdog999 is offline  
Old Sep 8, 16, 9:10 am
  #761  
 
Join Date: Oct 2014
Posts: 827
Originally Posted by cdog999 View Post
Anyone know if WF pulls from experian?
Always EQ for me (FL)
CWAL is offline  
Old Sep 8, 16, 9:19 am
  #762  
 
Join Date: Jan 2016
Posts: 132
Guys, I have forgotten the WF timeline. If your points post on say the 20th, will your spend from the 17th show up on the rewards the post the 20th?
fumnibbler is offline  
Old Sep 8, 16, 9:46 am
  #763  
 
Join Date: Oct 2014
Posts: 827
Originally Posted by fumnibbler View Post
Guys, I have forgotten the WF timeline. If your points post on say the 20th, will your spend from the 17th show up on the rewards the post the 20th?
IIRC, Thursday charges post Saturday, Friday/Sat charges post Monday, Sun charges post Tuesday (I never made Sunday charges though so may be wrong), Mon->Wed, etc.

But it's been a while...
CWAL is offline  
Old Sep 8, 16, 10:35 am
  #764  
 
Join Date: Feb 2015
Posts: 63
WF

anybody been doing over 1X CL for more than a couple months w/o getting shut down? PM if necessary, I'm willing to share personal experience.
skierinvermont is offline  
Old Sep 9, 16, 7:09 am
  #765  
 
Join Date: May 2015
Posts: 1,080
Spouse Applied for WF today. Credit score on the pulled bureau was >800. Did not get an instant approval. An hour later calling the application status line is says "under review" and "will receive written notification of decision within 7 to 10 business days." Anyone else deal with that? Did you manually talk to someone? Seems odd, I figured this would e an easy instant approval.

Called and they said an underwriter needs to review. That is really odd, anyone else have this happpen?

Last edited by cdog999; Sep 9, 16 at 10:49 am
cdog999 is offline  

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