Wells Fargo pre approval offer are they solid ?

SnowBowl · ‎11-23-2022

Okay, got an offer from WF for their reflect card 21 months 0% APR then after that it goes to 22.99% there is no range APR but if I do go online and check out their reflect cards it shows range APR between 16.74% to 28.74% but this mailer offer I got shows 22.99% , This would be my 1st time for dealing with Wells Fargo and I am skeptical about it thanks in advance. here couple stats about my credit profile. 4% util CS around 730 to 740 all across bureaus. This would make it 3/24 if WF approves it.

this siggy line is updated on 6/26/2025!
794 TU the most abused bureau LOL EQ 821 with only 1 INQ

coldfusion · ‎11-23-2022

Have there been any significant changes in your credit profile over the last 3 months like inquiries, new accounts, big change in utilization?

Did the offer specifically state you were preselected or was it just an offer to apply?

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

FinStar · ‎11-23-2022

In addition to what was mentioned above, unless you're at a WF branch were a pre-qualified or pre-approved offer is displayed, all the other offers (mail or online) are simply pre-selected or pre-selections to apply (i.e. not pre-approved). Any outcomes are definitely going to be YEMV depending on what your profile looks like for WF.