Wells Fargo 6個月規則:6個月內只能批一張Wells Fargo卡

Wells Fargo 現在在其信用卡條款中加入了這樣一句話 (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個月內開過一張Wells Fargo信用卡,那麼你將無法獲批另一張Wells Fargo信用卡。注意這個條款的意思是所有Wells Fargo信用卡之間是互相影響的。我們稱之為6個月規則。

我們發現一個重要的例外是 Bilt 信用卡,雖然它也是Wells Fargo發行的,但是這張卡的Terms and Conditions當中同一位置並沒有出現這句話。我們猜測這是因為Bilt這個品牌相對而言是比較獨立的,Wells Fargo只是相當於合作方,所以Wells Fargo並沒有對它做出申卡限制。

Wells Fargo 好卡不多,所以這個申卡限制大概對大多數人來說都沒什麼影響,只是如果有個別人想短時間內申請多張Wells Fargo信用卡的話需要注意此限制。


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