Wells fargo home projects credit card credit score requirements

Great Card - Finding Merchants

Credit Karma Member

This card is just fine and you have to call customer service and get the info on how to find merchants - it isn't on the unsecure side of the site. Here are instructions: Go to this site: https://retailservices.wellsfargo.com/locator/updateMap.do Enter your account info and zip code and BAM...there are all your vendors.

Brutal

Credit Karma Member

Typical Wells Fargo service and awful rates. No one accepts it, either. Avoid!

Credit Karma Member

Everywhere I needed it I was able to get what I needed. New air system and siding. Makes life easier.

My HVAC company did it all.

Credit Karma Member

Needed to make some adjustments to my previous equipment same company. Their service manager came out and set everything up at 9% interest. The balance approved is greater than what the services cost...and can be used with other service providers/contractors...however...each one will most likely have a higher rate of interest. This account came with a 600. visa cash card...only HELLO ...at 29.9% interest...!!!! I will NEVER pay anyone 30 cents on my dollar to use their dollar. The cash card is a NO for me. But if this other card works out and I can find a good interest rate...I am looking for new windows next.'

WF "service" leaves me asking WtF

Credit Karma Member

The first TWO times I applied for this card, the application status showed as Denied and then as Pending. I called the customer service number and both times they told me the denial was due to the number of unused credit cards on my report (which doesn't match my *excellent* credit rating at all). They said they could provide no other details and suggested I contact the credit bureaus - I did and they have no clue what the people at WF could be referring to in my credit report. I finally went to my local WF branch where the Personal Banker was able to get me approved instantly on a personal (unsecured) loan for $25k. (And he also had no idea what the WF Home Projects card people were referring to in my credit report as a reason for denial.) When comes to Wells Fargo, the staff at local branches are okay (maybe 3 of 5 stars), but their phone customer service is consistently bad: 1/2-star at best and sometimes (like this time) they should get negative-stars. I rarely have needed to call customer service (fortunately!) for places I have banked at. But when I do, I expect them to answer my direct questions regarding my business and transactions with them, AND to escalate to someone with more authority as needed. The Wells Fargo Home Projects customer service people did neither and claimed to be fully incapable. That's not priceless; that's worthless.

WF "service" leaves me asking WtF?

Credit Karma Member

The first TWO times I applied for this card, the application status showed as Denied and then as Pending. I called the customer service number and both times they told me the denial was due to the number of unused credit cards on my report (which doesn't match my *excellent* credit rating at all). They said they could provide no other details and suggested I contact the credit bureaus - I did and they have no clue what the people at WF could be referring to in my credit report. I finally went to my local WF branch where the Personal Banker was able to get me approved instantly on a personal (unsecured) loan for $25k. (And he also had no idea what the WF Home Projects card people were referring to in my credit report as a reason for denial.) When comes to Wells Fargo, the staff at local branches are okay (maybe 3 of 5 stars), but their phone customer service is consistently bad: 1/2-star at best and sometimes (like this time) they should get negative-stars. I rarely have needed to call customer service (fortunately!) for places I have banked at. But when I do, I expect them to answer my direct questions regarding my business and transactions with them, AND to escalate to someone with more authority as needed. The Wells Fargo Home Projects customer service people did neither and claimed to be fully incapable. That's not priceless; that's worthless.

BEWARE OF MULTIPLE PROJECTS!!

Credit Karma Member

READ BELOW! This is ridiculous. This disincentives you to use the card holder to have multiple projects on the card b/c you LOSE the CHOICE to designate how your payments are allocated. Forget customer no service. APPLICATION OF PAYMENTS. We apply payment amounts equal to or less than the Minimum Payment Due at our discretion. We apply any payment amounts in excess of the Minimum Payment Due as follows: ? First, to balances with No Interest if Paid in Full terms during the two full Billing Cycles immediately preceding expiration of the special terms period. Otherwise, for purposes of this section only, these balances are considered to have an APR of 0%; ? Then to balances with higher APRs before lower APRs. Any payment in excess of the Minimum Payment Due is applied based on the balances reflected on your last statement. We post payments in the Billing Cycle they are received. Other Information CONTACTING YOU. In order for us to service your Account or to collect any amounts

Great Card - Finding Merchants

Credit Karma Member

This card is just fine and you have to call customer service and get the info on how to find merchants - it isn't on the unsecure side of the site. Here are instructions: Go to this site: https://retailservices.wellsfargo.com/locator/updateMap.do Enter your account info and zip code and BAM...there are all your vendors.

Don't expect much customer service

Credit Karma Member

I just applied for this card via my contracted hvac company's website. Was approved for $6500. My total bill was $6900.The following day I called customer service for a credit increase to cover the full invoice. The representative, whom appeared to be not paying attention, not caring and/or eating told me that they woul have to repull my credit report to review for an increase. She reasked me for all my personal information and then stated okay, you've been approved for $6700. This one phone call is good enough for me to know that I will pay off this account as soon as possible and close it. I received my letter and card in the mail within a week. Of the $6700 CL; $804 is reserved for thecredit card.

Good product for a new homeowner

Credit Karma Member

Purchased windows and doors with it with a reasonable rate. Paid off the balance 4 1/2 yr of a 5 yr deal. To save the "monthly payment". I currently use it for a recurring payment to keep the account alive. Currently a great addition to my available overall "credit". Never Ever miss a payment or be late with that provider. Phone calls will be almost immediate. Happened to me, because I paid "too early" once, and ended up showing twice on one statement. Resolved over the phone, but you feel like a deliquent.

Brutal

Credit Karma Member

Typical Wells Fargo service and awful rates. No one accepts it, either. Avoid!

home projects

Credit Karma Member

We had gotten this credit card to buy new windows for our home, thats why the limit on it is so high. We were given 18 months to pay this account off. But within three months we have paid this account in full. The only thing is it's not showing this on our credit rating. It still shows the the high bal. Im disappointed in that because we knew that a high bal. would make our overrall rating low. I wish they would update this better. Over rating of this card I would have to give it a 5 because of poor up-dating of info.