What is the pre-approval process for the Wells Fargo Reflect Card?

The pre-approval process for the Wells Fargo Reflect Card, like many credit card offerings, involves a preliminary review to determine an applicant's eligibility for the card without affecting their credit score. Prospective customers can typically check if they're pre-approved either online or by receiving a direct mail offer with a unique code. During this stage, one provides basic personal and financial information, which Wells Fargo uses to perform a soft inquiry on their credit report. This helps the bank gauge one's creditworthiness and the likelihood of final approval upon completing a formal application, at which point a hard credit inquiry would be conducted. The pre-approval process is a helpful way for individuals to assess their chances of qualifying for the Reflect Card before committing to a full application that could have implications on their credit score.