Introduction
Looking for a credit card that suits your needs? Wells Fargo is here for you! As one of the largest banks in the US, it offers a range of credit cards with cool perks.
Manage your account effortlessly through Wells Fargo Online® or its Mobile app. Get overdraft protection when you link your credit card to your Wells Fargo checking account.
Here’s a bonus: pay your cell phone bill with an eligible credit card and enjoy up to $600 in protection against damage or theft.
And forget about fraudulent transactions—report any issue promptly, and you’re not liable.
Plus, subject to the card brand, you may score awesome benefits like travel assistance, an extended warranty, and more.
To Get a Wells Fargo Credit Card
- Learn About Wells Fargo Credit Cards
- Know Why You Need a Wells Fargo Credit Card
- Check Your Eligibility for a Wells Fargo Credit Card
- Examine Your Credit Score
- Evaluate Wells Fargo Credit Cards Terms and Conditions
- Prepare Necessary Documents
- Submit Your Application for Your Choice Wells Fargo Credit Card
- Wait for Approval from Wells Fargo
- Activate Your Wells Fargo Credit Card
Recap
Fascinating? Read on.
1. Learn About Wells Fargo Credit Cards
To secure a Wells Fargo credit card, learn about Wells Fargo credit cards.
Wells Fargo offers several types of credit cards, each with different features, benefits, and fees. Some of the main categories of Wells Fargo credit cards are:
Cash back cards
Cash back cards allow you to earn cash rewards on your purchases, which you can redeem for statement credits, gift cards, or other options.
Rewards cards
Rewards cards help you gain points or miles on your purchases, which you can redeem for travel, merchandise, or other options.
Low-interest cards
Low-interest cards offer low or zero interest rates on purchases, balance transfers, or both for a limited time.
Secured cards
Secured cards require a security deposit that acts as your credit limit. If you have a limited credit history and want to build or improve your credit score, this card is for you.
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2. Know Why You Need a Wells Fargo Credit Card
To get a Wells Fargo credit card, know why you need it.
What do you want from your card, and how do you plan to use it? For instance, examine your:
- Monthly spending and top categories
- Ability to pay off balance or carry one.
- Need for rewards and redemption frequency.
- Card needs: travel, balance transfers, emergencies.
- Current debt or loans and desire for lower rates.
- Credit score and your need to improve it.
Narrow down your options and choose the Wells Fargo credit card that best suits your needs and goals.
3. Check Your Eligibility for a Wells Fargo Credit Card
To get a Wells Fargo credit card, check your eligibility for a Wells Fargo credit card.
To qualify for a Wells Fargo credit card, you need to:
- Be at least 18 years old
- Own a valid Social Security Number or Individual Taxpayer Identification Number
- Have a U.S. mailing address and phone number
- Have a source of income that can support your credit obligations
Some Wells Fargo credit cards may also have specific eligibility criteria suitable for your credit score, income level, debt-to-income ratio, or other factors. You can check the terms and conditions of each card on its website or contact its customer service.
4. Examine Your Credit Score
To acquire a Wells Fargo credit card, review your credit score.
Your credit score plays a vital role in your request for a Wells Fargo credit card. It represents your creditworthiness reliable on payment history, credit use, credit history length, and account types.
Obtain your FICO score from myFICO.com or a free credit report annually from Equifax, Experian, and TransUnion at www.annualcreditreport.com. The higher your score, the better your chances of approval with better rates, while lower scores may make approval challenging and result in less favorable terms.
You can also check your credit score for free through Wells Fargo Online® if you’re a customer. Use the prequalification tool on Wells Fargo’s website to see eligible cards without affecting your score.
Review it and dispute any errors with the respective bureau. You maintain a good credit history when you pay your bills on time, reduce your balances, limit new applications, and use different credit types for different needs.
5. Evaluate Wells Fargo Credit Cards Terms and Conditions
To receive a Wells Fargo credit card, evaluate Wells Fargo credit card terms and conditions.
Carefully read and understand the terms and conditions of the card agreement, key features, and fees of the card, such as its:
- Annual percentage rate (APR) for purchases, balance transfers, cash advances, and penalties
- Grace period for paying your balance without interest charges
- Minimum payment amount and due date
- Annual fee, if any
- Foreign transaction fee, if any
- Balance transfer fee, cash advance fee, late payment fee, returned payment fee, and other fees
- Rewards program, if any, and how to earn and redeem rewards
- Security features and fraud protection services
- Customer service options and contact information
Choose a Wells Fargo credit card that offers the best value and convenience for your situation.
>>>PRO TIP: How to Check Your Credit Score
6. Prepare Necessary Documents
To obtain a Wells Fargo credit card, prepare the necessary documents.
Provide personal and financial information, such as your:
- Name, date of birth, Social Security Number or Individual Taxpayer Identification Number, and citizenship status
- Email address, phone number, and mailing address
- Employment status, income source, and monthly income
- Monthly housing payment and housing status
- Bank account information, if you want to set up automatic payments or transfer a balance
- Existing credit card information, if you want to request a balance transfer
You may also need to submit extra documents or verification:
- A copy of your driver’s license, passport, or other government-issued identification
- A copy of your tax returns, pay slip, or other proof of income
- A copy of your utility bills, lease agreement, or other proof of address
Get these documents ready before you start the application process to avoid delays or errors.
7. Submit Your Application for Your Choice Wells Fargo Credit Card
To procure a Wells Fargo credit card, submit your application for your choice of Wells Fargo credit card.
You can apply for a Wells Fargo credit card online, via phone, or in person at a branch. The online application is the fastest and easiest way, where you fill out a form with personal and financial information and consent to a credit check. A phone application requires verbal information to a representative and agreeing to terms. In-person, visit a branch, fill out a form, and provide identification to consent to terms and credit checks.
8. Wait for Approval from Wells Fargo
To secure a Wells Fargo credit card, wait for approval from Wells Fargo.
After you submit your application for a Wells Fargo credit card, you receive an immediate response online or through mobile phone. You either receive an approval, a denial, or a request to provide additional information or verification.
- Approval: Receive card details and get the card in 7-10 business days.
- Denial: Get a letter explaining the reasons, and your rights to request reconsideration or a credit report.
- Additional info: Follow instructions, and get a decision within days/weeks.
9. Activate Your Wells Fargo Credit Card
Once you receive your Wells Fargo credit card in the mail, you need to activate it. Call the number on the sticker or visit the website on the card. You also need to sign the back of the card and set up your online account access and PIN.
Review the card agreement and other documents that come with your card and keep them in a safe place for future reference. Familiarize yourself with the features and benefits of your card and how to use it responsibly.
Remember to pay your bills on time and in full each month to avoid interest charges and maintain a good credit score.
Recap
To obtain a Wells Fargo credit card, learn about Wells Fargo credit cards and know why you require it, check your eligibility, examine your credit score, and evaluate the terms and conditions. Prepare the necessary documents and submit your application online, via phone, or in person at a branch. Wait for approval and activate your card once you receive it. Remember to use the card responsibly and pay bills on time to maintain a good credit score.
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