"Wells Fargo Signature Visa Card"
Wells Fargo Rewards® Visa® Review
Written by: flirishpm on 2011-09-27
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
flirishpm's review: 
I was invited to apply since I bank at Wells Fargo and was approved with a $7,000 CL. Great benefit is 0% APR to start off with and the balance transfer fees are attractive compared to others.
I'm done applying for cards for a few years but glad I was able to get my overall credit line available significantly higher which helps with my FICO score and utilization. I keep the credit line available clear and have been fortunate enough to pay off the balances each month. I've found a way to rotate the cards each month to make sure I'm using them so the CC company doesn't close the account.
I was invited to apply since I bank at Wells Fargo and was approved with a $7,000 CL. Great benefit is 0% APR to start off with and the balance transfer fees are attractive compared to others. I'm done applying for cards for a few years but glad I was able to get my overall credit line available significantly higher which helps with my FICO score and utilization. I keep the credit line available clear and have been fortunate enough to pay off the balances each month. I've found a way to rotate the cards each month to make sure I'm using them so the CC company doesn't close the account.
4 Comments
Comment 1 by derek1061
Re: Wells Fargo Signature Visa Card 
on 2011-09-27
Congratulations. Great credit limit
on 2011-09-27 Congratulations. Great credit limit
Comment 2 by kdb030609
Re: Wells Fargo Signature Visa Card on 2011-09-29
Congratulations!!! That is a nice CL! What is the standard APR after the promotional period ends? Which credit bureau did they pull from? What was the score?
There aren't a lot of reviews for Wells Fargo on FG! I'm not sure why unless they're just really picky and only want to service current Wells Fargo customers needs!
on 2011-09-29 Congratulations!!! That is a nice CL! What is the standard APR after the promotional period ends? Which credit bureau did they pull from? What was the score?There aren't a lot of reviews for Wells Fargo on FG! I'm not sure why unless they're just really picky and only want to service current Wells Fargo customers needs!
Comment 3 by flirishpm
Re: Wells Fargo Signature Visa Card on 2011-09-30
Wells Fargo pulled Equifax only. I didn't realize it but this is the "Signature" Visa which means your score needs to be deemed "Excellent Credit" in order to qualify...my Equifax FICO score was 716.
I consider myself to have "good credit" but apparently Wells Fargo went through my credit file and considers me "excellent". No negative information in my credit file and a long history of "paying as agreed" I think helped me more than my "score". Standard APR will go to 14.9% after the 0% promotional is over.
on 2011-09-30 Wells Fargo pulled Equifax only. I didn't realize it but this is the "Signature" Visa which means your score needs to be deemed "Excellent Credit" in order to qualify...my Equifax FICO score was 716. I consider myself to have "good credit" but apparently Wells Fargo went through my credit file and considers me "excellent". No negative information in my credit file and a long history of "paying as agreed" I think helped me more than my "score". Standard APR will go to 14.9% after the 0% promotional is over.
Comment 4 by flirishpm
Re: Wells Fargo Signature Visa Card on 2012-06-28
Got a nice surprise a few days ago (June 25th) while doing some online banking and noticed that Wells Fargo gave me an automatic credit line increase to $9,500...started out new with this card in September 2011 with a $7,000 CL so they bumped it up another $2,500.
I really like this card and here's why. I use it to pay all my bills. All my bills. With the Bill Pay feature, I pick the creditor I want to pay and choose the Visa option and I pay all my bills off at the first of the month instead of visiting every website for every creditor I need to pay each month. One stop, pay my bills and simply pay off the card twice a month. Frees me up with cash and I know my bills will never be late.
on 2012-06-28 Got a nice surprise a few days ago (June 25th) while doing some online banking and noticed that Wells Fargo gave me an automatic credit line increase to $9,500...started out new with this card in September 2011 with a $7,000 CL so they bumped it up another $2,500.I really like this card and here's why. I use it to pay all my bills. All my bills. With the Bill Pay feature, I pick the creditor I want to pay and choose the Visa option and I pay all my bills off at the first of the month instead of visiting every website for every creditor I need to pay each month. One stop, pay my bills and simply pay off the card twice a month. Frees me up with cash and I know my bills will never be late.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
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.
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.
