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Nocsmo

best way to start a line of credit

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I need to get a line of credit. At wells fargo they told me to set up an account with them and after a few months i will have a better chance of getting approved for a credit card, i started an account but is there anything else i can do to have a better chance of getting approved?  
 

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If you have a couple hundred 'spare' dollars laying around you could always get a secured credit card through WF. That's how a lot of people restart their credit. After you've paid it regularly for a while...I think it's a year...they give you your startup money back and up your limit. As the time goes by, you make your payments on time, etc. they keep raising the limit. It's as good a way as any and I'm surprised the WF person didn't suggest it to you.

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So is getting into a bank like WF better than going to a local community bank?

 

I do like the secured card idea of WF. Never thought of that

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On 5/6/2019 at 8:36 AM, Locemore said:

If you have a couple hundred 'spare' dollars laying around you could always get a secured credit card through WF. That's how a lot of people restart their credit. After you've paid it regularly for a while...I think it's a year...they give you your startup money back and up your limit. As the time goes by, you make your payments on time, etc. they keep raising the limit. It's as good a way as any and I'm surprised the WF person didn't suggest it to you.

DO NOT get anything with Wells Fargo.. theyhave kept me at a $300 secured card for 5 years.. I have 20000 trade lines.. Never missed a payment and they refuse to upgrade or give a credit increase... nottoo mention they literally steal and their fraud dept. is incompetent. 

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On 11/15/2019 at 12:39 AM, jrukkus said:

DO NOT get anything with Wells Fargo.. theyhave kept me at a $300 secured card for 5 years.. I have 20000 trade lines.. Never missed a payment and they refuse to upgrade or give a credit increase... nottoo mention they literally steal and their fraud dept. is incompetent. 

welcome to CB!!!

 

why on earth would you continue to do business if wells treats you like crap/?

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