topic Re: BT Card - Citi Simplicity Or Wells Fargo Reflect in Credit Cards

BT Card - Citi Simplicity Or Wells Fargo Reflect

urluckypenny1 — Fri, 26 Jul 2024 12:48:04 GMT

Which do you recommend? First time ever doing a balance transfer. Looking to transfer $5,800 from Amex. 709 Fico , what's better approval odds.
Both gave 21 months 0% ... WF 5% fee CS 3% fee.

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

Blender — Fri, 26 Jul 2024 12:57:21 GMT

Do you have an existing relationship with either of them?

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

urluckypenny1 — Fri, 26 Jul 2024 13:09:03 GMT

No relationship with either Company!

Current Relationships

Amex

Penfed

Discover it

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

NoMoreE46 — Fri, 26 Jul 2024 17:33:47 GMT

For Citi, you should be at least 0/6 Inq.

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

urluckypenny1 — Fri, 26 Jul 2024 17:44:31 GMT

4 total inquiries... last one was November of 23

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

NoMoreE46 — Fri, 26 Jul 2024 18:11:07 GMT

Then I would go for the Wells Reflect- GL.

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

Gregory1776 — Fri, 26 Jul 2024 18:25:20 GMT

Got a 20K SL ~100k income with little debt beginning of last year with Wells Fargo. Got a 9.1K sl with Citi two months ago with that Wells Fargo card maxed out (close) and they weren't able to give me a higher SL. Citi Can be stingy on clis?

I wish I avoided the transfer fee with a CU

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

urluckypenny1 — Fri, 26 Jul 2024 22:52:49 GMT

Thanks for the reply! I'm going in this understanding that the main purpose of this card which ever it is, is to have a little cushion to pay of this amount.
Just not sure which one to go with? I'd hate to apply for tge Citi card and get denied, then apply for tge Wells Fargo card. That would be two inquiries and hard pulls.
Should I just bite tge bullet and go with the Wells Fargo even though it's a 2% Difference. I'm pre approved for tge Wells Fargo Reflect card?

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

Gregory1776 — Fri, 26 Jul 2024 23:27:28 GMT

I was preselected with Citi and got it.

you'll have to tell us more about your profile to get a better idea, otherwise nobody can properly advise.

2% isn't nothing to sneeze at.

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

urluckypenny1 — Sat, 27 Jul 2024 01:39:34 GMT

I do have a Discover it card for about a year.

i see they have a Discover it Chrome with 18 months for 0% and a 3% fee?

Re: BT Card - Citi Simplicity Or Wells Fargo Reflect

NoMoreE46 — Mon, 29 Jul 2024 17:33:38 GMT

Congrats on your Reflect approval. Requesting that this thread be closed.