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App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

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acadapter
Established Member

App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Good Afternoon All:

 

Sharing my experiences with today's App Spree ---

 

I've been gardening since ~2019 except for a refinance on my mortage in 2021 to take advantage of the historically low rates. I recently received the WF Reflect BT pre-screen for 21mo and the Citi Diamond Preferred BT for 21mo (this one was pretty frequent) and both with 3% transfer fees. I actually had a DP card years ago which they said was being discontined so they moved me to the Rewards+ card.

 

Since I have a couple of BTs that were ending, I decided to pull the trigger on these to add options. Both were instantly approved:

 

Wells - $25k

Citi - $16.8k (My Rewards+ also sits at $16.8k CL with a $0 balance).

 

Stats:

EX: 789, TU: 777, EQ: 780

CU: ~21-23% depending on which bureau you review

1 Inquiry within 24mo (Mortgage rate shopping)

FICO8 TU 759 EX 763 EQ 769

My Wallet: AMEX Platinum / AMEX Platinum Business / Capital One Venture $17.5k NAVYFCU Visa Signature $35K / NAVYFCU Flagship $28k / NavCheck $15K / Citi Rewards+ $14.8k / BoA Visa Signature $35K / BoA Cash Rewards MasterCard $25k Best Buy CitiBank $6.3k / Amazon Synchrony $12k / DiscoverIT $15K / Chase Ritz-Carlton Rewards Visa Infinite $18.3k / PenFedFCU PowerCash Rewards Visa $20k / Pay Pal $9k
Message 1 of 11
10 REPLIES 10
gdale6
Moderator Emeritus

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Couple of top approvals for you, grats to both of them!!

Message 2 of 11
Elpadrino1
Valued Contributor

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Congratulations on your new approvals!!

Message 3 of 11
Anonymous
Not applicable

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Congrats for both cards! Do you have any other existing account with WF before the credit card application?

Message 4 of 11
CYBERSAM
Senior Contributor

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Congrats on your double approval! 🤑👍👍







                
Message 5 of 11
acadapter
Established Member

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred


@Anonymous wrote:

Congrats for both cards! Do you have any other existing account with WF before the credit card application?


None for me --- This is the start of a relationship with Wells Fargo. I hadn't heard great things from a banking industry standpoint over the years, so I regularly just avoided them. However, new practices seem to be breaking the mold there within the last 12 months so when I got the mailer, I reconsidered. 

FICO8 TU 759 EX 763 EQ 769

My Wallet: AMEX Platinum / AMEX Platinum Business / Capital One Venture $17.5k NAVYFCU Visa Signature $35K / NAVYFCU Flagship $28k / NavCheck $15K / Citi Rewards+ $14.8k / BoA Visa Signature $35K / BoA Cash Rewards MasterCard $25k Best Buy CitiBank $6.3k / Amazon Synchrony $12k / DiscoverIT $15K / Chase Ritz-Carlton Rewards Visa Infinite $18.3k / PenFedFCU PowerCash Rewards Visa $20k / Pay Pal $9k
Message 6 of 11
cashorcharge
Community Leader
Senior Contributor

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

That's terrific!!  Congratulations on your Approvals!! 🎉🥂👏

Message 7 of 11
everest
Frequent Contributor

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Congrats on your WF and Citi approvals! 🎉



Message 8 of 11
Junejer
Moderator Emeritus

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Congrats on those very nice approvals!







Starting Score: 469
Current Score: 849
Goal Score: 850

Take the myFICO Fitness Challenge
Message 9 of 11
babygirl1256
Senior Contributor

Re: App Spree Approvals - Wells Fargo Reflect/Citi Diamond Preferred

Congrats on your WF Reflect BT and the Citi Diamond Preferred BT approvals . . . great spree!!!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 10 of 11
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