Hmmm, to app or not to app- Wells Fargo ,

[mikesonthemend]

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@DaveInAZ wrote:

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Who pulls TU?

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US Bank pulled TU on me.

[CreditInspired]

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@DaveInAZ wrote:
So I got a mailer from Wells Fargo . Platinum card, 0% 18 months, set APR 21.74% (high, but I won’t carry a balance after 0%), with ‘reservation code’. Tempted, but I don’t like or trust WF.

I don’t see many approvals for Wells Fargo mailers w/code like BBVA or BB&T. Thoughts?

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I would go with your gut feeling. Our instincts are usually always on target. 

[AverageJoesCredit]

Agreed @CreditInspired

Most of the time when i waste a darned hp i know im going to get rejected but do it anyway. Just say no to #DEPapping!

[CreditInspired]

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@AverageJoesCredit wrote:
Agreed @CreditInspired

Most of the time when i waste a darned hp i know im going to get rejected but do it anyway. Just say no to #DEPapping!

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😂🤣😂🤣. 

[DaveInAZ]

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@CreditInspired wrote:

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@DaveInAZ wrote:
So I got a mailer from Wells Fargo . Platinum card, 0% 18 months, set APR 21.74% (high, but I won’t carry a balance after 0%), with ‘reservation code’. Tempted, but I don’t like or trust WF.

I don’t see many approvals for Wells Fargo mailers w/code like BBVA or BB&T. Thoughts?

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I would go with your gut feeling. Our instincts are usually always on target. 

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Yeah, for a lot of decisions my gut instinct works well, but for financial decisions I like a few more "hints". And . .

Checked Credit Karma this morning (yeah!) and they claim I'm "pre-selected" for Wells Propel Amex at "80% odds". And for Wells Cash Wise and Platinum (my mailer offer) "very good odds". And then I have a Wells checking account again, just for a bonus. And logged into my Wells account I have a promo for Cash Wise, but it just says "You agree that we may consider you for a Visa Signature credit card if you qualify". Hmmm, awfully vague, and the APR is a range, 16.24% to 28.24%. But there's also a promo for Platinum that says "You can choose to stop receiving "prescreened" offers of credit from this and other companies", and the same specific APR as my mailer, 21.74%. So my "hints" are now that Wells is targeting me, and specifically for the Platinum.

About ready to pull the trigger .  .

EDIT: Trigger pulled:

Thank you for your application, DAVID
Wells Fargo Platinum Visa® Credit Card

We need to verify a few pieces of information before we can give you a credit decision.

Status: Pending

What happens next

We'll send you a confirmation email in the next few minutes.
If approved, your new credit card will be mailed in 5-7 business days. If we are unable to grant you credit, we will let you know why in writing.

Instant alert from Experian that Wells pulled my CR.

[Gmood1]

You can either wait on the UW to call. Or call them and answer a couple of verification questions.

[AverageJoesCredit]

Yeah, ive always had to wait. Im shocked to learn a new thing today....Your real name is DAVID. I just thought Dave was short for Dave Good luck

[fritscher]

Go for it

[Anonymous]

I got declined by them last year. I got that mailer 2 months ago. Said screw it, applied online , and got the pending message. Called in 5 hours later and the automated response said congrats your cl is 6,500, card will be there in 10 days.

[Anonymous]

Dave, did you receive an update on whether or not you were approved?