Wells Fargo Reflect Balance Transfer Card

[urluckypenny1]

Looking for any help on The Wells Fargo Reflect Balance Transfer Card.

What Bureau do they pull from? I have a Fico 709 across tge board.

Never did a Balance transfer and like the 0% 21 months introduction rate even though it's a 5% fee. It'll offset it set.

what's your advice or any other cards you recommended for a BT

$52,000 limit total Accross all cards 14% Utilization. Looking to Transfer $5,500 from AMEX card.

[MissLiz]

IME, Wells pulls TU. 

[4sallypat]

They pulled EXP for mine - $16KCL.

I do ave a WF checking & savings account.

21 month BT at 0% is a very nice perk.

[NoMoreE46]

The Reflect is probably the longest duration at the 21 months.  

The BankAmericard is 18 months IIRC.

What is the Amex limit?

[NoMoreDebt]

Congrats

[LADave]

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@NoMoreE46 wrote:

The Reflect is probably the longest duration at the 21 months.  

The BankAmericard is 18 months IIRC.

What is the Amex limit?

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The U.S. Bank Platinum card is very similar to the WF Reflect card - 21 months at 0% APR with a 5% balance transfer fee. Most balance transfers offers that I'm aware of are for 3-4% but for a much shorter term (usually 12-15 months).

Between those two cards, the WF Reflect seems like a better bet for most people. U.S. Bank is more of a relationship bank than Wells Fargo, so unless you already have a fabulous relationship with them or the kind of credit report they'll drool over, I believe your SL is likely to be lower with U.S. Bank than Wells Fargo. And even though Wells Fargo is still a relationship bank, there are plenty of DPs for Wells Fargo giving chunky SLs to brand-new customers over the last few years.

[Gregory1776]

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@LADave wrote:

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@NoMoreE46 wrote:

The Reflect is probably the longest duration at the 21 months.  

The BankAmericard is 18 months IIRC.

What is the Amex limit?

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The U.S. Bank Platinum card is very similar to the WF Reflect card - 21 months at 0% APR with a 5% balance transfer fee. Most balance transfers offers that I'm aware of are for 3-4% but for a much shorter term (usually 12-15 months).

Between those two cards, the WF Reflect seems like a better bet for most people. U.S. Bank is more of a relationship bank than Wells Fargo, so unless you already have a fabulous relationship with them or the kind of credit report they'll drool over, I believe your SL is likely to be lower with U.S. Bank than Wells Fargo. And even though Wells Fargo is still a relationship bank, there are plenty of DPs for Wells Fargo giving chunky SLs to brand-new customers over the last few years.

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I was one!

[cashorcharge]

Wells Fargo will typically pull your EX F9 score 

[Anonymous]

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@cashorcharge wrote:

Wells Fargo will typically pull your EX F9 score 

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My understanding is that it is area dependent and even then they may pull any of the 3.

Here in Michigan they predominantly pull TU

[markhs777]

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@Anonymous wrote:

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@cashorcharge wrote:

Wells Fargo will typically pull your EX F9 score 

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My understanding is that it is area dependent and even then they may pull any of the 3.

Here in Michigan they predominantly pull TU

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On the money. Pulled EX in Fla.