Wells Fargo 6个月规则:6个月内只能批一张Wells Fargo卡

Wells Fargo 现在在其信用卡条款中加入了这样一句话 (HT: DoC):

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. We may also limit the total number of open Wells Fargo credit card accounts you have.

如果你在6个月内开过一张Wells Fargo信用卡,那么你将无法获批另一张Wells Fargo信用卡。注意这个条款的意思是所有Wells Fargo信用卡之间是互相影响的。我们称之为6个月规则。

我们发现一个重要的例外是 Bilt 信用卡,虽然它也是Wells Fargo发行的,但是这张卡的Terms and Conditions当中同一位置并没有出现这句话。我们猜测这是因为Bilt这个品牌相对而言是比较独立的,Wells Fargo只是相当于合作方,所以Wells Fargo并没有对它做出申卡限制。

Wells Fargo 好卡不多,所以这个申卡限制大概对大多数人来说都没什么影响,只是如果有个别人想短时间内申请多张Wells Fargo信用卡的话需要注意此限制。


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