TLDR:
Wells Fargo Autograph Journey
Instant online approval
Starting limit $20k
Single EQ pull in Florida
EQ FICO8 classic 841
EQ FICO8 bankcard 866
New accounts 0/12, 2/24
Inquiries 0/24 (on EQ)
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Unabridged version:
After waiting until the month after reaching 0/12 new accounts, I decided it was time to go for a new signup bonus and set my sights on the Wells Fargo Autograph Journey. I did not have an existing relationship with WF, but I had a few mortgage accounts in the past (all paid as agreed).
I tried filling out the online prequalification tool, but it did not give me any options. This probably has to do with my marketing “opt-out” status. So, I went ahead with a cold app and received an instant online approval with a starting limit of $20k. The application asked for home ownership status (own), employment (retired), and income (low 6 figures). There were no questions about investable assets.
I received a credit monitoring alert for a new inquiry on Equifax. I will pull my Annual Credit Reports later to see if there are any soft pulls on EX or TU. My pre-app EQ data points are as follows:
FICO8 = 841
FICO8 Bankcard = 866
Inquiries = 0/24
New accounts = 0/12, 2/24
Utilization = 1% aggregate, 4% highest individual account
Debt to income ratio = 1%
I was able to create an online account and add my new card to a mobile wallet with $12k available immediately (the physical card should be here within 7 business days). The website seems very easy to use and has good information including a free FICO9 Experian score (my first free FICO9 source).
All in all, a very favorable outcome. 
Great DPs. Very nice SL and approval, congratulations!
Congrats; thanks for the DPs.
Congratulations and thanks for sharing!
Congrats on the approval!
