Was hoping to have my current zero interest CC balances paid down a lot more by now but didn't happen. Shopping around for good BT options and this looked to be the best one. Wasn't sure how well it would go considering two of my balances with the zero interest are high UTIL but turned out better than expected!
I'll add some DPs but haven't been keeping up with them the best lately. Bought a new car in April so those INQs are around 6 months. Did a CC spree in December of last year. Inquiries are EX - 5 / EQ - 1 / TU - 9
EX Fico 8 - 759
%27 UTIL overall
%0 account at %90 (this will be paid down and balance moved to Reflect)
%0 account at %73 (this %0 is good until April so going to keep chipping away)
Congrats on your WF Reflect Approval 🤑👍
@JFox418 wrote:Was hoping to have my current zero interest CC balances paid down a lot more by now but didn't happen. Shopping around for good BT options and this looked to be the best one. Wasn't sure how well it would go considering two of my balances with the zero interest are high UTIL but turned out better than expected!
I'll add some DPs but haven't been keeping up with them the best lately. Bought a new car in April so those INQs are around 6 months. Did a CC spree in December of last year. Inquiries are EX - 5 / EQ - 1 / TU - 9
EX Fico 8 - 759
%27 UTIL overall
%0 account at %90 (this will be paid down and balance moved to Reflex)
%0 account at %73 (this %0 is good until April so going to keep chipping away)
That is excellent! Thank you for the DP's. Can I ask if this was a cold app or did you have any accounts with Wells?
@spiritcraft1 wrote:
@JFox418 wrote:Was hoping to have my current zero interest CC balances paid down a lot more by now but didn't happen. Shopping around for good BT options and this looked to be the best one. Wasn't sure how well it would go considering two of my balances with the zero interest are high UTIL but turned out better than expected!
I'll add some DPs but haven't been keeping up with them the best lately. Bought a new car in April so those INQs are around 6 months. Did a CC spree in December of last year. Inquiries are EX - 5 / EQ - 1 / TU - 9
EX Fico 8 - 759
%27 UTIL overall
%0 account at %90 (this will be paid down and balance moved to Reflex)
%0 account at %73 (this %0 is good until April so going to keep chipping away)
That is excellent! Thank you for the DP's. Can I ask if this was a cold app or did you have any accounts with Wells?
Cold app no other accounts. I did have a wells fargo dealer services account many years ago for a car loan?
Congrats on the approval! Nice SL to go with it as well.
