topic WF Reflect BT offer? in Credit Cards

WF Reflect BT offer?

JFox418 — Mon, 24 Oct 2022 13:58:12 GMT

Unfortunately didn't pay down a few balances as much as I'd hoped and looking for BT options. Received a pre-selected letter stating 21 months 0% and %3 transfer fee which seems hard to beat.

When digging through the forum I found more info on being hard to get approved for than anything else. Even a denial stating %30 UTIL on a CC being the reason. Seems counter productive if you're promoting a balance transfer.

My scores are all around 760-780. No WF accounts. Two accounts around %80 UTIL that I'm using %0 interest on currently. One expires end of the year and looking to move $10k or so from it. The other account is good into next year so not too concerned on that one. My overall UTIL is %25.

Re: WF Reflect BT offer?

tcbofade — Mon, 24 Oct 2022 18:03:06 GMT

Is there a question in there somewhere?

I got approved for it. DW got approved for it.

With your scores, I predict an approval, but with no existing relationship, I'm not sure that you'll get the starting line you want.

Good luck!

Re: WF Reflect BT offer?

NoMoreE46 — Mon, 24 Oct 2022 18:27:59 GMT

I have not noticed a lot of Reflect approvals in the past few months.

I recall some around $2,500 but some like @tcbofade had > $10,000 SL.

3% is the typical fee for the BT but the 21 months duration is very sweet.

Please report back if you decide to apply.

Re: WF Reflect BT offer?

difringe — Mon, 24 Oct 2022 18:37:34 GMT

I apped for the Reflect last year and got an $8k limit. DPs are in the linked thread. Had no account with Wells Fargo at the time of application. Good luck!

Re: WF Reflect BT offer?

JFox418 — Mon, 24 Oct 2022 19:42:08 GMT

@tcbofade wrote:
Is there a question in there somewhere?

I got approved for it. DW got approved for it.

With your scores, I predict an approval, but with no existing relationship, I'm not sure that you'll get the starting line you want.

Good luck!

I read back through my post, yeh I think I was just babbling

I guess I was asking if I had a decent shot at it. I went to their pre-approval page but it's just pre-selections. I'm on the fence.

Re: WF Reflect BT offer?

NoMoreE46 — Mon, 24 Oct 2022 20:13:56 GMT

I think you do @JFox418 .

Re: WF Reflect BT offer?

NoMoreE46 — Mon, 24 Oct 2022 20:26:21 GMT

PS,

WF typically pulls EXP and EQFX.

Re: WF Reflect BT offer?

tcbofade — Mon, 24 Oct 2022 21:19:39 GMT

@NoMoreE46 wrote:
I have not noticed a lot of Reflect approvals in the past few months.

I recall some around $2,500 but some like @tcbofade had > $10,000 SL.

3% is the typical fee for the BT but the 21 months duration is very sweet.

Please report back if you decide to apply.

Mine was approved for $14k.... but I already had a Platinum card with them...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Wells-Fargo-Reflect-Visa/m-p/6548215

Re: WF Reflect BT offer?

JFox418 — Tue, 25 Oct 2022 20:59:14 GMT

Score!

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/WF-Reflect-Approval-14k-SL/m-p/6608104