They gave me a card, when nobody else would!
always looking for ways to save, interest conscious, appreciative of good customer service, a comparison shopper, married, a homeowner
| Pros |
|
DEC
19
2007
Wells Fargo - Platinum Visa Card —
When I first tried to get a credit card a few years back from several companies I was turned down flat. Although I didn't have bad credit, I didn't have any recent credit history. My sister in law told me to try Wells Fargo so I gave them a try. So I did and after filling out all the paper work I got a call asking me to come into their local office to facilitate the paper work. Their office is about 10 minutes away so I went over to see them.Customer Service
I was greeted by the credit manager when I arrived and we went to a private office to discuss my application. He explained all the paper work to me and made sure I understood everything and answered all my questions in language that was easy to understand. You see although I didn't have bad credit, I hadn't had enough recent history on my credit reports. I had just bought my house (first time buyer) and up until then I paid cash for anything I bought.
They were going to issue me a card but the interest rate was rather high and I was told the annual fee would be waved as long as I made 1 transaction every 12 months. I didn't like the APR but I needed to start some where as having a home now I would need the card. So I signed on the bottom line and I was set.
I didn't use it a lot but I made sure to pay every bill on time and 6 months later I called them and asked about reducing the rate. After pulling my records up they dropped it for me and even doubled my credit limit. All that took about 3 minutes and the CSR was very nice and thanked me for calling.
Since that first call they have since doubled my limit again and dropped my APR even lower. Every time I have called them I have gotten excellent response to all my questions and treated very well.
Bottom Line
They didn't have to even talk to me with my credit history but they did and treated me as if I was their only customer every time I contacted them. They gave me a chance when nobody else would consider it and thats a big plus in my book. After I was disabled I had no work history that was recent and no credit that was recent. They worked around that and provided me a means of getting back on my feet. In less than two years I now have what many take for granted. I am able to charge things I need just because Wells Fargo was willing to give me a chance when I was turned down by many others.
I also have an APR that is just barely above the prime rate and from what I have seen pretty good in todays market with only 2 years of recent credit history. Their customer service is excellent and I owe my sister in law big time for her advice to call them.
Wells Fargo - Platinum Visa Card is recommended by kid-kansas
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