Wells Fargo Active Cash + GS Apple Card Approvals

[Oops_I_Did_It_Again]

CC	Bank	SL	APR	CB Pull, KY	Instant Approval
ACTIVE CASH	Wells Fargo	$6,000	20.25%	EX F8  757	yes

DPs, before app
clean profile
Utilization 1%
New accounts 0/3, 0/6, 2/12, 6/24
AoOA 3Y 6M, AAoA 2Y 0M, AoYA 7M
Inquiries EX 1/12
Highest CLs: 16,000, 15,100
Total CCs 11

With a 200.00 SUB, and otherwise reasonable terms, the WF Active Cash struck me as a 'better' 2% card, so I decided to apply.

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I have had a savings account with Wells Fargo for ~21 months.  Balance has varied from 300-3000.  300 account minimum to avoid monthly fee.  May be pertinent as WF is considered a 'relationship bank'. 

The SL of 6,000.00 is in line with what I've received form other banks & recent applications.

I received a series of mailers from WF over the last several months, with 'pre-selected' offers for Active Cash and Reflect cards. I have also tried the on-line pre-qualification a couple times and approved for both Active Cash and Reflect cards.  Though WF pre-selection/approval doesn't appear to be rock solid, according to several MF members,  having the savings account, the consistency of pre-screened credit feedback, and the offer the middle tier APR (19.99%)  helped me feel confident about applying for this card.

note: I received balance transfer checks along with new card (15 months 0% APR).    I don't have a BT planned but including the checks is a nice 'convenience'.

[Oops_I_Did_It_Again]

CC	Bank	SL	APR	CB HP, Ky	instant app
Apple Card	Goldman Sachs	$4,100	16%	TU F9, 765	yes

Various other DPs, before app
clean profile
Utilization 1%
New accounts 0/3, 0/6, 2/12, 6/24

AoOA 3Y 6M, AAoA 2Y 0M, AoYA 7M
Inquiries TU 1/12
Highest CLs: 16,000, 15,100
Total CCs 11

A matte-white chunk of swipeable Titanium is hard to resist!

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I'd been doing the pre-application via iPhone for over a year, as early on the SL's offered were just too low.
Through about 10 more retries (ever 30 days or so), the SL offered has varied over range from $1,000 - $4,100.

I can't be sure why the offers fluctuate so much. I was approved every time I tried, so I never got any notices with reason codes.

The first couple pre-approvals I had problems with identity verification. This seems to be common.

I called GS support, and the CSR had me update several iPhone settings. What had happened was that I upgraded to a new iPhone but the transfer of info from old phone to new phone didn't complete properly.  One thing that did transfer was an old physical street address which caused a mismatch between iPhone data and my TU credit report.  GS customer service helped me identify relevant iPhone settings. I had no subsequent problems completing the application process after these changes were made.

The $4,100 SL is the highest I've gotten out of GS pre-approval, but only about 60% of the average of my last 3 approvals (for other cards with other banks). CLIs are a soft-pull however, so I can work with the modest SL.

[Rebuild2019]

Congratulations 🎉🎈🎊 on your Well Fargo Active Cash Approval.

[NoMoreE46]

Grats @Oops_I_Did_It_Again .

With your simultaneous Apple card approval, looks like you Hit it Baby One More Time 😁

[Oops_I_Did_It_Again]

@NoMoreE46 

Yup, I did it again, twice.

[M_Smart007]

Congratulations on your approvals 🥳🎉

[greatscott85]

Congratulations! Thanks for the detailed write up! 

[Ilinferno]

That's great on your approvals! Congrats!

[CreditAggie]

Congratulations on your approvals!

[Sub16610]

Congrats on both your approvals!