"Nice Card For Students"
Wells Fargo Cash Back(SM) College Card Review
Written by: nckuttoomm on 2010-04-08
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
nckuttoomm's review: 
Do you guys know that for some college credit cards, if you are really a college student, you will pretty much never get their approval for some reasons:
1. Short or no credit history
2. Low or no income
But, if you are really a college student, how can you have long credit history and nice income??? This card in my opinion is very friendly to students. After you have the card, they are fair in increasing the credit limit (some student credit card issuers are friendly to approve you but never increase your CL after...) if you don't miss any payment.
1. That time, my credit score was very low (600~630) because I had a delinquency. (Actually that was totally a misunderstanding between me and the BOA. That delinquency mark was moved out after I explained to them the whole story)
2. Credit history is around 18 months.
3. I applied the card when opening both checking and saving account with Well Fargo. (I heard that it helps if you open an account and apply the credit card at the same time)
The most surprising thing is that they approved me immediately and offered me a 1200 credit line. I know 1200 is a small number for many people who have credit card 3~5 years ago but that is not a small number at this critical point of time especially when someone like me have a delinquency with...
Do you guys know that for some college credit cards, if you are really a college student, you will pretty much never get their approval for some reasons: 1. Short or no credit history
2. Low or no income
But, if you are really a college student, how can you have long credit history and nice income??? This card in my opinion is very friendly to students. After you have the card, they are fair in increasing the credit limit (some student credit card issuers are friendly to approve you but never increase your CL after...) if you don't miss any payment.
1. That time, my credit score was very low (600~630) because I had a delinquency. (Actually that was totally a misunderstanding between me and the BOA. That delinquency mark was moved out after I explained to them the whole story)
2. Credit history is around 18 months.
3. I applied the card when opening both checking and saving account with Well Fargo. (I heard that it helps if you open an account and apply the credit card at the same time)
The most surprising thing is that they approved me immediately and offered me a 1200 credit line. I know 1200 is a small number for many people who have credit card 3~5 years ago but that is not a small number at this critical point of time especially when someone like me have a delinquency with...
2 Comments
Comment 1 by terren2000
Re: Nice Card For Students 
on 2010-06-12
Could you tell us your credit score, some detais, like who they pulled.
on 2010-06-12 Could you tell us your credit score, some detais, like who they pulled.
Comment 2 by nckuttoomm
Re: Nice Card For Students on 2010-06-15
Details are in the review above. I believe they pulled EXP.
on 2010-06-15 Details are in the review above. I believe they pulled EXP.
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Disclaimer: This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo. Review content is powered by Finance Globe.
