Credit Card Help | Wells Fargo (2024)

Top Questions

How do I report a lost or stolen card?

If your credit card is lost or stolen, report it immediately to our 24-hour Customer Service number, 1-800-642-4720 or sign on and go to Replace my card. If you have fraudulent transactions we will need to speak to you.

Please note: When you report your credit card as lost or stolen, you will receive a new card with a new account number. If you believe you have misplaced your card, you can temporarily turn your card off by signing on and going to Card Controls.

Turning off your card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Turning off your card will turn off all cards associated with your credit card account, including any digital card numbers linked to the cards. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

What should I do about payments if my card is lost or stolen?

You’ll need to continue to make payments as usual except for amounts in dispute. If you’re enrolled in automatic payment or Overdraft Protection, these services may be temporarily unavailable for up to 72 hours while we set up your new account.

Can I still do a balance transfer if my card has been lost or stolen?

  • If you received a promotional or introductory balance transfer offer, it would carry over to your new account number.
  • Find out if a balance transfer offer is available for your Wells Fargo credit card by visitingwellsfargo.com/mybt or calling 1-800-642-4720.

What happens to my balance transfer SUPERCHECKSTM if my card is lost or stolen?

  • You need to destroy any unused SUPERCHECKS associated with the lost or stolen card, because they will no longer be valid.
  • When you report a card lost or stolen, we won’t process any pending SUPERCHECKS associated with the account.
  • If your card is lost or stolen, we won’t reissue new SUPERCHECKS. You can still transfer balances online or over the phone.

How do I transfer a balance to my Wells Fargo card?

Sign on to the Credit Card Service Center through Wells Fargo Online and select Request Balance Transfer under Account Management. Or call 1-800-642-4720.

Read more about balance transfers.

What is Wells Fargo Rewards®?

Wells Fargo Rewards offers you a wide variety of ways to earn, use, and share rewards — from Travel, to Gift Cards, to Merchandise, and more.

With a Wells Fargo rewards-based credit card, you can earn rewards on virtually all purchases, including everyday items like groceries or gas, or on bigger items, like when you book travel, or stay at a hotel. Visit Wells Fargo Rewards to learn more.

What should I do if I plan to travel and use my card?

Sign on to online banking and confirm your contact information is up to date so we can contact you if we detect unusual activity.

At this time, Wells Fargo cards cannot be used in Cuba or other sanctioned destinations as defined by U.S. Department of Treasury's Office of Foreign Assets Control (OFAC). Please call the phone number on the back of your card if you have questions.

How do I add an authorized user to my card?

Sign on to the Credit Card Service Center and select Add Authorized Users to Your Account under Account Management. Please note you are responsible for all charges made to the card in addition to any balance transfers and cash advances, including any Overdraft Protection amounts advanced, made by any authorized users added to the account.

More Information

  • FICO® Score
  • Credit Card FAQs
  • Wells Fargo Rewards® FAQs
  • Wells Fargo Card Design Studio Service FAQs

Credit Management

  • My Spending Report
  • Responsible Lending Principles for Consumer Credit
  • Check my FICO® Score with Credit Close-upSM

Applications and Rates

  • Apply for an Account or Service
  • Save and Retrieve Applications FAQs
  • Rates

Rewards points or cash rewards (as applicable) are earned on net purchases (purchases minus returns/credits) only. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points or cash rewards (as applicable). For the Wells Fargo Visa® and Wells Fargo Visa Signature® Cards, casino gaming chips, off-track wagers, lottery tickets, and bets or wagers transmitted over the internet also do not earn rewards points or cash rewards (as applicable). Refer to the Wells Fargo Rewards® Program Terms and Conditions and Addendum for your Wells Fargo Credit Card.

Wells Fargo Bank, N.A. Member FDIC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

QSR-07162025-6227326.1.1

LRC-0124

Credit Card Help | Wells Fargo (2024)

FAQs

What credit score is needed for Wells Fargo? ›

Good credit: A FICO® Score of 670 or higher is suggested when applying for a Wells Fargo card. There isn't a strict minimum credit score with Wells Fargo, but it typically only approves applicants with good credit or excellent credit.

Why is my Wells Fargo credit card declined? ›

We'll alert you when your card is declined for reasons such as: Reported or suspected fraud. Payments that are past due. An overlimit, suspended, or closed account.

Is Wells Fargo credit card a hard inquiry? ›

Yes, Wells Fargo does a hard inquiry on your credit report whenever you apply for one of its credit cards. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

How much is a Wells Fargo remediation check? ›

The letters typically say that the person was affected by the calculation error, and offers them a check in the range of $10,000 as a gesture of good will. If the person isn't satisfied with the amount, Wells Fargo generally offers to submit to independent mediation to determine if the person should get more money.

What score do I need for a Wells Fargo card? ›

Bottom line. To qualify for the Wells Fargo Active Cash® Card, you typically need at least a FICO® score of at least 670. However, the issuer also looks at other factors, such as the amount of credit card accounts you have and the time frame from which you opened a new account.

What is the easiest Wells Fargo card to get approved for? ›

One of the easiest Wells Fargo credit cards to get is the Dillard's Store Card because you only need fair credit (a credit score of 640+) to be approved. Most Wells Fargo credit cards aren't that easy to obtain since they require good or excellent credit (a credit score of 700+) for approval.

Why is Wells Fargo credit limit so low? ›

Wells Fargo will periodically review how you're managing your current limit and may lower it if they don't think you can afford the full thing. You can call Wells Fargo at 1-800-642-4720 to ask about the particular reasons why your credit limit was lowered.

What is the minimum credit score for Wells Fargo reflect card? ›

Good credit needed

The Wells Fargo Reflect credit score requirement is 700+. You can check your credit score for free on WalletHub.

Is Wells Fargo no longer offering credit cards? ›

Wells Fargo has not stopped offering credit cards. In July 2021, the company announced that it would no longer offer personal lines of credit, but that decision was reversed about a month later and never applied to credit cards.

What is the easiest credit card to get? ›

Easiest credit cards to get approved for
  • Best for students: Discover it® Student Cash Back.
  • Best for high approval rate: OpenSky® Secured Visa® Credit Card.
  • Best for no annual fee: Citi Double Cash® Card.
  • Best for unsecured card: Capital One Platinum Credit Card.

How long does it take Wells Fargo to approve a credit card? ›

If you are not instantly approved, we will mail you a credit decision within 5 to 7 business days. If you are approved, you will receive a mail package with information intended to help you better understand your credit report and a copy of the applicable Wells Fargo Privacy Notice.

Does Wells Fargo have a 5/24 rule? ›

No, Wells Fargo does not have a 5/24 rule, which means Wells Fargo will not automatically reject an application just because you've opened five or more credit card accounts during the past 24 months.

How much will each person get from Wells Fargo Settlement? ›

For automobile repossessions, compensation is “at least,” but is not limited to, $4,000. For mortgage holders that were unable to modify their mortgages to avoid foreclosure, damages average $24,125 per claimant. For deposit accounts, customers average $100 in damages.

Why am I getting a remediation letter from Wells Fargo? ›

Customers that may have had an account or service opened without their consent or without being fully informed of the details of the account or service may be eligible for remediation. Additional details regarding the remediation that Wells Fargo has provided are outlined below.

Is Wells Fargo refunding money? ›

The CFPB is ordering Wells Fargo to refund billions of dollars to consumers across the country,” said CFPB Director Rohit Chopra. “This is an important initial step for accountability and long-term reform of this repeat offender.”

What credit card can I get with a 600 credit score? ›

Compare the best cards you can get with a 600 credit score
Card nameReward highlightsBankrate review score
Mission Lane Cash Back Visa® Credit CardUnlimited 1 percent or 1.5 percent for all qualifying purchases4.5 / 5
Capital One Platinum Credit CardN/A4.2 / 5
3 more rows
Jan 3, 2024

What is the starting limit for Wells Fargo credit card? ›

Wells Fargo starting credit limit: It's important to remember that $1,000 is the lowest credit limit you'll start out with if you're approved for an account. However, you could receive a higher limit. The actual limit you'll receive is based on your credit history, income, employment status, level of debt, and more.

How do I get approved for Wells Fargo? ›

Most of Wells Fargo's best credit cards have a credit score requirement of 670 to 850, so improving your credit is the best path to earning a preapproval. Take these steps to improve your credit score and optimize your chances: Make all bill payments on time.

What is the easiest credit card to get approved for? ›

Comparing the easiest cards to get
Card NameAnnual feeFICO score required
Bank of America® Unlimited Cash Rewards Secured credit card$0No credit history
Capital One Platinum Secured Credit Card$0No credit history
Indigo® Mastercard®$0-$99 depending on creditworthiness300 to 670
Capital One Platinum Credit Card$0580 to 740
3 more rows
Jun 28, 2024

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