John Miller, Credit Cards Moderator
@john_miller
You need a credit score of 700 or better for the Wells Fargo Autograph Card. That means people with good credit or better have a shot at getting approved for the card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the card. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the card’s credit score requirement. You can check your credit score for free right here on WalletHub.
mtsloss_wm57, Member
@mtsloss_wm57
I'm putting down a foundation for my take on credit scores with this but card companies stopped going on scores. They are mostly for educational purposes that actually benefits the corporation when determining interest and fees.
Case in point, I had a $300 secure credit card when I started my credit journey. In one year i had a 700ish score which was absolutely worthless when applying for a card. My credit file was thin, just a secured card that I had just over one year. I had only my SSI benefits and food stamps as income yet I had over 700 for scores. I inherited my home plus the land the house is foundationed on. I can't even get a believable DTI because practically all my income and resources could best be described as fun money. After groceries I pay my electricity bill and winter fuel is all. No car payments ever, student loan was forgiven well before student loans entered the political sphere. My neighbor has 25 years credit history all good, medium income, had the same scores as I did yet he got the nod for a top tier card while I couldn't do any better than a low limit, fee harvesting Credit One (NOT a Capital One card).
Your comprehensive credit file is what lenders go off of. What is contained in all? your credit reports is what concerns a lender. Your entire credit history reduced to the bare bones the three bureaus have on you.
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