The essential thing that everyone should be thinking about right now is investing in non-government sources of income. Especially in light of the current global economic crisis. It is still a wonderful moment to invest in gold, silver, digital money, and stocks.
Quite impressive but HOW!!?😊 I know it's possible, my colleague at work got her first investment return of 40K after two weeks and she quit the job , I would appreciate if you show me how to go about it..
@@joelsteveson7156My first experience with Mrs Margaret Cartier gave me assurance and confidence that has made me to invest without fear of losing, I really appreciate her efforts and transparency..
If you are not in the financial market space right now, you are making a huge mistake. I understand it could be due to ignorance, but if you want to build a generational wealth and cultivate financial knowledge, you must be in the Market.
you're right! If you are unfamiliar with the market, I recommend seeking advice or assistance from a financial/investment coach.With the help of an investment advisor, I have diversified my $450,000 portfolio across multiple markets, We were able to generate over $1.2m
I 100% agree with you here! I've been trying to tell people that this card is really underrated for those on team cash back. I think the WF hate is a bit outdated at this point tbh. No banks are really your friend, so you might as well profit from them as much as you can!
I agree! Perhaps I’m biased because I’ve banked with them so long, but they’ve always treated me with respect and my accounts have been handled greatly. Also I’ve seen soooooooo many other banks in the news over the year for shady behavior. I think if you search for it many of the major banks have crossed the line and been in trouble for it when they got caught. I choose to do business with them until they do wrong by my accounts or disrespect me.
This card is a really good card and it looks really nice. I was skeptical about WF as well due to their well earned terrible reputation, but I have the Bilt card now, so, I guess I got over it.
The card is metal because I cut it up and it was impossible with scissors. I had to use wire cutters and the center was definitely a tough thin layer of metal.
AUTOGRAPH!! I’ve been waiting for you to do this review ! I too had the useless platinum and upgraded to the autograph . I’ve had it for 4 months already racked up 14,000 pts (gas, ATT, subscriptions and dining) it adds up really quick . So happy to hear I’m not alone with this card ❤
Omg, it feels so good to have a useful card as opposed to that little platinum card that offers no rewards whatsoever! 😅 Congrats on racking up all those points in just 4 months! It sure does add up quickly, especially if it's your primary card. As always, I appreciate your ongoing support! 💜
Ha! My oldest account was a WF Platinum I changed to an Autograph. Now that I am using it more maybe WF will finally give me a cl increase. I had to move limit from an Active Cash to make it useful.
my first cc was a capital one secured card. I left it open for the same reason so that it wouldn't hurt my credit score, but it actually does not hurt it at all. I closed in and got my deposit back. I know only use Amex gold and blue cash
I did a product change because I didn't want to close my WF Platinum since it’s my oldest credit account. I always suggest product changes instead of closing a CC, but if you can’t do that, closing the account is always an option. As long as your account was in good standing, it’ll continue reflecting on your credit report for up to 10 years and have a positive effect on your credit the entire time. Thanks for sharing your experience and btw great cards you got there! 💜
@@DayanaPlays Oh thank you. I didn't think of doing that since I already had the quicksilver card with them. I think I might close the Gold card soon(like next year since I just got it), It's a bit out of my league. Realistically speaking I don't think i or the average American would ever spend anywhere near 25k in groceries. The Citi Premier looks pretty good, have you done a review on that card? It looks solid.
AUTOGRAPH! I also upgraded from an outdated card from WF and got this one. I plan on using this as my dedicated card for gas, transit and streaming purchases. I've also used WF travel portal to book serval domestic flights using points so having the higher reward multipliers comes in handy. Love your vids 🙂
Me too. I just switched my CashBack card to Autograph. Unfortunately, I won't get the signing bonus, but I love the 3X rewards. I will use this card much more than I used the CashBack card.
Being migrated from my current AMEX Propel to this card in August. It is what it is. My overall thoughts about this card and what I tell people is that it's an easy cashback rewards card. My everyday usage with the Propel card easily earns me upwards of $750.00+ throughout the year (which is nice). Downside to losing the Propel to this card is no more extended warranties (i.e. one additional year of protection at no cost), streaming services that earn 3X do include Hlu and Netflix, and no more metal card. I would combine points with WF Signature Cash Back Visa Card for additional points when redeeming. Looking through the Terms and Service, I did not specifically see this as still being a feature. There may be some other losses that I have not come across, but only time will tell.
@@DayanaPlays hey girl hey 👋🏽. Not to bother you but I received an email from a video editor named Zahid, he says he saw my reply here and says he’s your editor…can you confirm or deny that before I reply to him? Thanks in advance Have an amazing day on purpose 👑
The Visa Signature isn't necessarily a guaranteed $5000 min CL. I have two Visa Signature cards. One each from Chase and BofA. I just got a pretty generous increase from Chase (although I did have to request it after 18 months with no auto increase). But initially, both cards were under $3000. It might just depend on where you land with your credit score. Since from what I understand, you generally need to be at around 700+ to qualify for a Visa Signature. So most people who apply probably do get higher limits. But I was at the lower end of that range when I first opened both cards.
Lol, you aren't the only one who thinks that, so it's totally understandable, my friend. As always, I appreciate your support, and keep killing it over on your channel! 💜
Autograph 🎉. Great video as always. It’s a great card in my opinion. It covers so many valuable categories. I got it back in November last year. I’ve been using it a lot. However they only approved me with a 2k credit limit. I believe it is because my credit history is very new. Even tho I’ve been banking with Wells Fargo since January 2020. I started my credit journey in April 2022.
Thank you as always, my friend. I'm almost 100% sure your newer CH had a lot to do with the limit decision as well. The good news is you can always ask for a cl increase. I believe they only perform a soft pull for cli's. 💜
Autograph The visa signature 5k limit thing is very weird. I have three visa signature credit cards, one is from fidelity and came with a 20k limit, but the other two are the WF active cash and autograph, and both of those came with $4000 limits. I got them a year apart from each other and both within the last 2 years. You can find many examples of people with WF Visa signature cards with under 5k limits.
Yeah, I've even found the visa signature rule on their website confirming that it's not a myth. But I guess it's either not enforced or there's a loophole, like maybe if you cycle your credit up to 5k per cycle they'll allow it. 🤷
@@Mo-sk7xo It's a Visa company policy, not a law. They could probably go to court over it but maybe they don’t care enough, or maybe they know there's a loophole or something. We could probably go to court over it as a class action too, but I don't know if that would hold up
This really does sound like a great card! I also already have the SoFi card with 2% cash back across the board, so this might be a good second option for its top spending categories. 🤑 Thank you as always! Favorite RU-vidr ever 🥰 Oh and AUTOGRAPH!! 🙌❤️🔥😎
Haha "Favorite RU-vidr ever"... that's like music to my ears! Who would've thought I'd end up doing this for a living? As always, thank you for your support pollita! 💜
Autograph! Thanks for this video. I just did a product change like you. Do you know if this card offer 3 % when you pay your car insurance? thanks for your response.
Autograph! Great video! I did a similar thing with my Wells Fargo Platinum too. Instead of the Autograph though I got the Active Cash. I wanted the Autograph but it wasn’t an option for me at the time. The Active Cash was my only product change options at the time. Perhaps because I already had the Propel at the time. Now though WF recently automatically product changed the Propel to the Autograph, so it all worked out.
@@mohdameen4918 it is supposed to still work until 8/4/23. I stopped using it though once I got the Autograph card they product changed me to. On my account though it still says I can keep using it until 8/4.
It's better than the Amex Green for $0 if you don't use the credits. If this had transfer partners or a travel portal like BILT it would be overpowered
Instead of being jealous that you are often first to reply in this channel (😂) , I checked out your channel and you too make amazing content !🙏🏿 respect 🫡
Can you help me out my grandfather put me as a authorized user on his 805 credit cash wise Wells Fargo ,and I’m a beginner, how can I transfer that credit to other cards/companies without it affecting anyone?
No not for booking hotels/travel there are way better cards for that. For every day usage like phone bills(you can stack multiple plans), gas, paying for Netflix (it covers even unmentioned streaming services), ect it’s a must. There are definitely tad bit better cards with no annual feel but do not cover as extensive as this one. It’s a must have for common things. Points stack up really quick. You can always combo with other cards that cash back better in every other category. I used the Freedom Unlimited in my case.
What do you think about T-Mobile recently removing the $5 auto-pay discount for people who use credit card payment, but giving the $5 auto-pay discount to people who use debit or checking?
Thanks. I am now using WF Active Cash just for my cell phone bill, because it offers cell phone protection. I will PC that to Autograph so that I will get 3% cash back instead of 2% and also have the exact same cell phone protection as the Active Cash.
Does this card allow you to cash out via direct deposit to your bank account? Or do you have to have a WF bank account? That’s one of the reasons why I don’t apply for this card. Plus, it’s Wells Fargo! 😂 #nuffsaid
Great video. However, I wish you would have highlighted if Well fargo does a hard credit pull for credit limit increase. Would you mind answering my concern with this credit card? Thank you.
depends on the system and the information you give them (annual income, mortgage etc) if you ask for a new limit depending on the amount you ask for they will give you a counteroffer (if you choose their counteroffer limit- they can change it to that immediately) however if you want to ask for a different amount from their counteroffer than most likely a hard pull will be conducted since you’ll be dealing with one of their credit specialists to see if they can give you a different/higher limit.
I currently have the WF active cash (it was also my first credit card) would it be worth swtiching to autograph? I do like using my Active cash for Wal-Mart purchases since no card really gives points for them but getting 3x on gas is also vary appealing
Im looking for a card I can use for paying utilities bills and maybe take a trip to see family in California. And buy groceries or online shopping. Is this the right card for me ?? Thanks
Have you checked out the Amex BCE card? It gives 3% on gas, groceries and online retail including Amazon and eBay. For utilities the best you’re gonna find is the U.S. bank cash+ card.
Autograph I applied for it on the 1st and was unfortunately denied. Their reason was no auto home loans and too many inquiries. I asked for a reconsideration and just got notice today that it's still denied for the same reasons. Can I ask for another reconsideration, or just give up on it for now? Credit score at time of applying was 775 but their letter says its 811. 😮 Also that same day I applied for the citi custom cash and got approved. 😊
Omg, it's so funny you mentioned that because I did record a drop test, but it didn't sound like metal or plastic. I was so confused and didn't know how to describe it, so I left it out of the video! What's crazy is that it's almost as heavy as a metal card, but I'm not sure it is one. What a mystery! 😂
Best wishes for your RU-vid channel.I have seen your video, your video is very informative but you don't have so many views, The only reason your thumbnails aren't good, If you make the thumbnail better, your video will definitely get more views, If you want low price high quality thumbnails,! I can help you.
