I'm costumer for years of Wells Fargo I have multiple accounts. One they closet my credit line for not reason. I'm not recommending this credit card . Gonna damage your credit score.

BLAST

First credit card and had it for 2 years now. Had no credit at all. My credit would stay in the 600 - 620 range because I wouldn't pay off my balance at all for at least the first year, and was in debt with other low-tier cards as well. Now I paid almost all my balances, and after 1.5 years they gave me back my $300 deposit. 1 month later they upgraded my credit from $300 to $1000. Note that I now have a 710 - 730 score across all bureaus, started with 500. I only have Capital one unsecured with $600 limit, Merrick Bank unsecured with $1200 and this one now with $1000. Started with $300 on all of them. Just be patient and use it a lot, but also pay it in the next month completely. That's racking up my score now.

They say within a year you will get your money refunded. But what they dont tell you is wells fargo checks you credit before the decided to give you back the money you gave them. Is the point of a secure card not to raise your credit? Wells fargo is horrible for taking your money and refusing to give it back!

It took 3 years to upgrade this card. They kept giving me the run around and I threatened to close all my accounts. Two months later I received a letter saying they're going to upgrade it and give me back my $300 deposit. If I had to do it all over again, I would have just went with Capital One. Well Fargo is a pain! With my upgrade to secured, they didn't even offer to increase my limit.

Update: I have called their customer service repeatedly (as you should if you want to get anything done regarding this card) and the details are never really clear. So much so that even their own personal banker had issues communicating with the credit department. I have yet to receive anything in writing about what to expect with this card upgrade. Also, it has been shared with me that Wells Fargo will no longer carry this card. So it will finally put most of their clients out of their misery. Or they might have determined that this card was an easy spin and sell for ethically questionable bankers. I plan once I receive this upgrade to raise my limit. Who knows how that will go, with my banking relationship and current credit standing I deserve some respect on my limit. NO CAP!

I don't like the way they hold your payment 2-3 days even when I pay from my wells fargo checking so they know the funds are guarenteed I think they earn extra intrest money by doing this.

I've had this card for 3 years. They will not raise your credit. If you use the card and make online payments to keep the balance of zero, Wells Fargo will take several days to post the payment. I have had to call Wells Fargo a dozen times over the last three years to have them explain to me why my balance is not zero even after two or three days after a payment. The only good thing about this card is that yes it did help me raise my credit limit. Now I tried not to use it at all because even though it's my own **** money on deposit their chill still charging me the ridiculous APR. And again they get around to posting payments to this card whenever they feel like it. Makes me wonder who's collecting interest on my payment, and millions of other payments that are held for two or three days while Wells Fargo thinks about posting it to the appropriate account. I have called them many times to explain the delay, and I have gotten a lot of flavorful answers. Mostly they say they do this to protect you. I do not believe that. I believe there is some way they are earning extra Revenue by holding the payments.

I have owned this card since October of 2014! And like many other reviewers they have held my deposit hostage meanwhile charging me their usual annual fee. The banker misled me to open the account assuring me that I would have my deposit back within a year. This is was during the time WF had aggressive sales tactics. I wish I knew about the other secured cards that were better than this. I cannot recommend this card or this bank to anyone that I know. I have done alot business with WF and they continue to give me the run around! Be AWARE! Capital One has been such a great experience for me and I have owned their card for less than a year. They are?transparent with their credit limit increase tracker. And they do not have an annual fee on their secured card! If you choose a secured card I would definitely go with Captial One over WF any day and twice on Sunday! As a matter of fact I just recommended Capital One to a family member who is just beginning their credit journey!! Hope this review helps, Wells Fargo needs to finally do right by their clients! Cheers!!

I have had a secured card that has been unsecured for years, improved my credit score significantly where I have been approved for high limit Amex cards but Wells Fargo will not increase my limit higher the $300. If you are looking to get a increase once your credit improves, do not get a Wells Fargo card. TRUST ME!!