Wells Fargo Reflect Question

[pi-r-squared]

I recently got a CLI for my WF Active Cash (total CL $19K up from $16K) but am now interested in their Reflect card to take advantage of a 21-month 0% APR BT.  I tried their prequalification page but I didn't prequalify for any cards.  My AC card is over 12 months old.  If I were to apply for the Reflect, it would be a cold app....  Questions are.........  who has both cards and did you prequal for both before applying?

[Lurker22]

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@pi-r-squared wrote:

I recently got a CLI for my WF Active Cash (total CL $19K up from $16K) but am now interested in their Reflect card to take advantage of a 21-month 0% APR BT.  I tried their prequalification page but I didn't prequalify for any cards.  My AC card is over 12 months old.  If I were to apply for the Reflect, it would be a cold app....  Questions are.........  who has both cards and did you prequal for both before applying?

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I only have AC, I did check the prequal page before applying and nothing showed up but I decided to roll the dice and was approved for AC anyways

[pi-r-squared]

Whelp...  I cold app'ed for the Reflect card and was declined....  Didn't get a hard pull alert...  maybe that comes later....

[Blender]

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@pi-r-squared wrote:

Whelp...  I cold app'ed for the Reflect card and was declined....  Didn't get a hard pull alert...  maybe that comes later....

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Can you shares DPs?

How old is your WF Active Cash? Any other accounts with WF? Any baddies?

I've been back and forth on apping for the Reflect myself.

[pi-r-squared]

Active Cash is just over a year old.  No baddies except BK-7 declared in 2006.  Fell off reports in 2016.  

A little over 31% total Util.