Wow, yeah that does not sound pleasant. In my experience, it just seems like a poorly trained or brand new rep doing those verifications and they’re not willing or able to deviate from some “standard” list of forms.

A few years ago I was applying for a sizeable car loan, the only reason the lender tried to deny was I never had a loan amount that big before. But everything else was in line: debt ratio, credit, income, employment history, down payment…everything.

They must have come up with (I kid you not) 2 dozen different reasons for trying to turn me down, but I kept pressing for the approval and turning down every one of their reasons until they eventually approved me.

Having a background as a credit analyst/underwriter at a bank served me well in that situation lol!

Agreed – I have excellent credit and 5+ cards with no balance carried. WF said they couldn’t verify my identity. Sitting in their office with a passport, DL and handfull of cards wasn’t good enough. Later they called and said I had past due invoices -not for 25+ years (if ever!) They were not interested in my business at all.

Very nice, congrats on the approval!

Probably the same reason they don’t list cards like Fidelity Rewards card that pay 2% of actual cash back: the commission rates aren’t as good.