WF Reflect BT offer?

[JFox418]

Unfortunately didn't pay down a few balances as much as I'd hoped and looking for BT options. Received a pre-selected letter stating 21 months 0% and %3 transfer fee which seems hard to beat. 

When digging through the forum I found more info on being hard to get approved for than anything else. Even a denial stating %30 UTIL on a CC being the reason. Seems counter productive if you're promoting a balance transfer.

My scores are all around 760-780. No WF accounts. Two accounts around %80 UTIL that I'm using %0 interest on currently. One expires end of the year and looking to move $10k or so from it. The other account is good into next year so not too concerned on that one. My overall UTIL is %25.

[tcbofade]

Is there a question in there somewhere?

I got approved for it.  DW got approved for it.

With your scores, I predict an approval, but with no existing relationship, I'm not sure that you'll get the starting line you want.

Good luck!

[NoMoreE46]

I have not noticed a lot of Reflect approvals in the past few months.

I recall some around  $2,500 but some like @tcbofade had > $10,000 SL.

3% is the typical fee for the BT but the 21 months duration is very sweet.

Please report back if you decide to apply. 

[difringe]

I apped for the Reflect last year and got an $8k limit. DPs are in the linked thread.  Had no account with Wells Fargo at the time of application.  Good luck!

[JFox418]

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@tcbofade wrote:

Is there a question in there somewhere?

I got approved for it.  DW got approved for it.

With your scores, I predict an approval, but with no existing relationship, I'm not sure that you'll get the starting line you want.

Good luck!

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I read back through my post, yeh I think I was just babbling 

I guess I was asking if I had a decent shot at it. I went to their pre-approval page but it's just pre-selections. I'm on the fence. 

[NoMoreE46]

I think you do @JFox418 .

gl

[NoMoreE46]

PS,

WF typically pulls EXP and EQFX.

[tcbofade]

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@NoMoreE46 wrote:

I have not noticed a lot of Reflect approvals in the past few months.

I recall some around  $2,500 but some like @tcbofade had > $10,000 SL.

3% is the typical fee for the BT but the 21 months duration is very sweet.

Please report back if you decide to apply. 

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Mine was approved for $14k.... but I already had a Platinum card with them...

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Wells-Fargo-Reflect-Visa/m-p/6548215

[JFox418]

Score! 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/WF-Reflect-Approval-14k-SL/m-p/6608104