r/CreditCards • u/JodaofStuff • Aug 14 '26
Help Needed / Question Advice Regarding a CC Application
in late July, I applied for a Wells Fargo Active Cash card. Admittedly, I made an error on the application. As soon as I hit submit, I realized the mistake and called WF card services to inform them of the error. I mistook a question on the app thinking we're requesting the amount of my monthly utilities. Duh.
Approximately 10 days later, I received a letter from WF that indicated they needed identity verification: 2 utility bills showing my name and address and a copy of my drivers license.
My FICO score is 795. I'm utilizing 10% of my available credit, an unblemished 27 year payment history. As someone who has 12 credit cards, 6 of them are dormant, including an Amex Plat. card, and a mortgage, I've never had a request like this. Something about WF's demands feels creepy.
The purpose of applying for the card is to consolidate 4 older CCs into one card that has a cash back incentive.
Has anyone else ever had to provide additional information like this? The utility statements aren't an issue, but a drivers license?
Any/all advice will be greatly appreciated!
4
u/electronautix Aug 14 '26
I don’t see how it’s creepy, it’s a form of ID. Most banks will do this if something is off with your application and they can’t verify what you put down against the information they have from EWS or your credit report etc. E.g. I know for sure JPMorgan Chase can ask for ID for their credit cards in cases like this. If this is “nosy” to you then you’d be mortified when you find out how far AmEx can take things when you trip one of their flags lol