Wells Fargo Autograph Journey Approval with Data Points (2024)

Thanks for all the messages of congratulations!

I promised to report back about any soft pulls on Annual Credit Report. There were none on TU. EX had 2 soft pulls. My guess is that the first one was created when I filled out the pre-qualification form. The source of the pull was listed as "WF CRD SVC". The second pull was from "Wells Fargo Bank" and is likely from me setting up my online account and then viewing the free FICO9 score.

July 2024 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%

Congrats to you on your Wells Fargo Autograph approval. I really like the Wells Fargo cards and features hope you enjoy it

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That's a great approval @NoHardLimits , congratulations! It's nice to hear that you were able to get it added to your mobile wallet with a brand-new WF online account.

If I wasn't already invested in rewards programs that are outside of WF's transfer partners I'd probably be making a beeline for the Autograph Jounrey. As it is I probably have too many unused AA and PenFed points. After I've burned off most of those points I'll probably get it later in my credit card journey. (Journey - get it? I'll be here all week, enjoy the fish!)

@LADavewrote:

That's a great approval @NoHardLimits , congratulations! It's nice to hear that you were able to get it added to your mobile wallet with a brand-new WF online account.

If I wasn't already invested in rewards programs that are outside of WF's transfer partners I'd probably be making a beeline for the Autograph Jounrey. As it is I probably have too many unused AA and PenFed points. After I've burned off most of those points I'll probably get it later in my credit card journey. (Journey - get it? I'll be here all week, enjoy the fish!)

I used Google Wallet to pay for lunch at a sandwich shop earlier today, so I have taken the first baby step towards earning the 60k signup bonus.

Like you, I also have a large stash of other airline/hotel/MR points. However, I'm just planning to treat the Autograph points as cash equivalents via statement credits. I know that probably makes the folks on "team transferrable points" cringe, but cash value is perfectly fine with me in this particular case.

July 2024 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%

I also get my free exp fico 9 from WF

the only problem is it only updates once a month

at least it does for deposit accounts.
Not sure about credit cards

@Snook_on_the_Linewrote:

I also get my free exp fico 9 from WF

the only problem is it only updates once a month

at least it does for deposit accounts.
Not sure about credit cards

I think mine will also only update once a month. When I look at the FAQ, it says:

"This FICO®Score is updated monthly, and you can expect to see your updated score on or around the same day each month. Scores reflect data from your credit file at the time it was calculated and may be from a previous period."

For my banks, most of the ones that provide FICO8 scores update once a month. The ones that provide Vantage3 scores update weekly. The only outlier for me is Amex which updates FICO8 EX weekly.

July 2024 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%

Congratulations on an awesome Wells Fargo Journey Approval, @NoHardLimits!

And thanks for sharing all your extensive data points with the community! Very helpful.

Business Cards


Length of Credit > 40 years; Total Credit Limits >$900K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0 - SYCH - 65.0
AoOA > 30 years (Jun 1993); AoYA (Feb 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.

Thanks for all of the congratulations!

I will update this thread when I have more datapoints. Specifically, how long it takes to received the physical card and how my scores are affected once the new account starts reporting.

In the meantime, I saw a datapoint reported on a different thread tonight and thought it would be helpful to add mine here as well. The datapoint was where the SL stood in relation to the rest of my current CLs. The SL is roughly 30% less than my average and median CLs, but exactly the same as 3 of my most recent 4 apps (Cap1 Venture, USBAR, and US Shopper Cash). This is interesting as my income significantly decreased (fully retired now) right in the middle of all those apps. I was concerned that SLs would decrease, but so far so good!

July 2024 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%

@NoHardLimitswrote:

I will update this thread when I have more datapoints. Specifically, how long it takes to received the physical card and how my scores are affected once the new account starts reporting.

I'm back with some more datapoints. The following is a timeline of events that have occured so far:

Day of application - instant online approval, added card to Google Wallet on phone, access to FICO9 score

+1 day - used Google Wallet to make first purchase

+7 days - received physical card in the mail, added card to Google Wallet on smartwatch which required a phone call to "tech" CSR

+13 days - first statement cut

+15 days - rewards available from first statement

+16 days - new account starts reporting on EQ, FICO8 drops by -11 points

I'll wrap up my datapoint reporting in a couple weeks after I get the rest of my score updates.

July 2024 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%

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