👋🏼 @Harvey26 I was holding on to them for the same reason. Wells is EVERYWHERE! Maybe that's why they don't care if we come or go.
012019 Fico8/Mortgage Score: 
Wells Fargo is definitely not a relationship heavy bank. And if they are, they want large accounts, not small timers like us.
A bit late of a response to your post @macinjosh but if I may tell you my story with them, it might somewhat give you an insight...
July 2018, cold app'd for both USB Cash+ and WF Propel minutes apart. Was 5/24. FICO8 EQ (USB hp) 750s... Cash+ Instant approval for $9K SL. EX FICO 9 770s WF denied even after recon (really wasn't a recon as couldn't even speak with UW)!!
About 56 days later, Sep 2018 , received a mailer just like your 2nd one with a preset APR.
App'd again with the invitation code. 6 FICO points lower in score but was 4/24 and 1/12 I believe... Instant approval for $10K SL!!
Now we know it's always YMMV in everything myFICO world related but just wanted to relay to you how they declined me with a higher score then approved me weeks later with a lower score!
Yes they're a head scratcher!!
@JR_TX wrote:A bit late of a response to your post @macinjosh but if I may tell you my story with them, it might somewhat give you an insight...
July 2018, cold app'd for both USB Cash+ and WF Propel minutes apart. Was 5/24. FICO8 EQ (USB hp) 750s... Cash+ Instant approval for $9K SL. EX FICO 9 770s WF denied even after recon (really wasn't a recon as couldn't even speak with UW)!!
About 56 days later, Sep 2018 , received a mailer just like your 2nd one with a preset APR.
App'd again with the invitation code. 6 FICO points lower in score but was 4/24 and 1/12 I believe... Instant approval for $10K SL!!
Now we know it's always YMMV in everything myFICO world related but just wanted to relay to you how they declined me with a higher score then approved me weeks later with a lower score!
Yes they're a head scratcher!!
Thanks for that experience @JR_TX. I'm still mulling it over. Who knows. Last time they sent me a preset APR offer, I let it go and missed out.
@coldfusion wrote:
@macinjosh wrote:
@JR_TX wrote:A bit late of a response to your post @macinjosh but if I may tell you my story with them, it might somewhat give you an insight...
July 2018, cold app'd for both USB Cash+ and WF Propel minutes apart. Was 5/24. FICO8 EQ (USB hp) 750s... Cash+ Instant approval for $9K SL. EX FICO 9 770s WF denied even after recon (really wasn't a recon as couldn't even speak with UW)!!
About 56 days later, Sep 2018 , received a mailer just like your 2nd one with a preset APR.
App'd again with the invitation code. 6 FICO points lower in score but was 4/24 and 1/12 I believe... Instant approval for $10K SL!!
Now we know it's always YMMV in everything myFICO world related but just wanted to relay to you how they declined me with a higher score then approved me weeks later with a lower score!
Yes they're a head scratcher!!
Thanks for that experience @JR_TX. I'm still mulling it over. Who knows. Last time they sent me a preset APR offer, I let it go and missed out.
It usually takes a couple of months from when the screening soft pulls are made until the offers are sent out.
Given that you had a recent approval and a recent denial based on the timing there may have been a substantive change in your profile since the screening pulls was/were made. I'd keep that in mind while mulling over if and when you should apply again.
Thanks! I'll keep that in mind.