To activate a Wells Fargo Platinum credit card, call the number on the activation sticker that’s attached to the card or go to the Wells Fargo activation website, which will also be noted on the sticker. Another way to activate a Wells Fargo Platinum credit card is by using the card issuer’s mobile app.
Your new Wells Fargo Platinum card will be ready to make purchases in just a few minutes no matter which method you use to activate it. Wells Fargo does not have a certain time limit within which you need to activate your card, but it’s best to do it as soon as possible.
How to Activate a Wells Fargo Platinum Credit Card
By phone: Call 1 (800) 642-4720 or the number on the sticker attached to the front of the card. Verify your personal information (e.g. Social Security number, card number, or phone number associated with your application) to activate your Wells Fargo Platinum credit card.
On the website: Log in to your Wells Fargo account (or create an account if you don’t have one) and find the activation page. Enter any required security information, including your address and Social Security number. Activate your Wells Fargo Platinum card as instructed.
On mobile: Log in to the Wells Fargo mobile app using the same credentials that you’d use to log in online. Tap the credit card activation button, then enter any security information that’s requested on the following page.
Your new Wells Fargo Platinum credit card will be available for purchases immediately after activation. If you have any trouble activating your card, Wells Fargo customer service can always help you out. You can give them a call at 1 (800) 642-4720.
The Wells Fargo Platinum card credit score requirement is 700 or better. That means you need good credit or better to have a shot at getting approved for the Wells Fargo Platinum Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Wells Fargo Platinum Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Wells Fargo Platinum credit score requirement. You can check your credit score for free on WalletHub.
You can get a Wells Fargo credit limit increase by calling customer service at (800) 642-4720. There is no option to request a Wells Fargo credit limit increase online. It’s best to not make a request until you’ve had your card for at least 6 months, and only if you’ve paid your bill on time every month. It’s also good to use your card on a regular basis. If Wells Fargo sees little activity, they may not see a reason to increase your limit.… read full answer
If you ask for a Wells Fargo credit limit increase, Wells Fargo may do a hard pull of your credit, which will temporarily lower your score. But they’ll sometimes do just a harmless soft pull, especially with older accounts and when Wells Fargo offers an increase without you asking. Besides, getting more credit can be good for your score in the long run.
Here’s how to get a Wells Fargo credit limit increase:
Say or enter your credit card number to be connected to a representative.
Tell the representative you’d like a credit limit increase.
Answer the representative’s questions about your credit and income.
Give the representative permission to do a hard pull of your credit, if needed.
You won’t always have to ask for a Wells Fargo credit limit increase to get one. Wells Fargo will periodically review your account to see if you’re eligible, using only a soft pull of your credit. And if they like what they see, they may just raise your limit.
Yes, you can use a credit card before it arrives in the mail, but only with certain cards. If you want to use a credit card early, you must either have an American Express or Capital One credit card or one of a handful of other offers, including the Apple Card… read full answer, and some store credit cards. Normally, you can’t use a credit card without restriction before it arrives, because you can’t see the full credit card number, expiration date and CVV until you have the card in hand.
Credit cards that you can use before arrival
Cards from certain issuers: If you need to start using a credit card today, you’ll likely want to consider applying for an American Express credit card. Amex is one of the few card issuers that will give out a full card number that can be used anywhere upon approval of an application. Capital One credit cards are also sometimes available for immediate use via the Capital One mobile app. But not everyone is eligible for this feature.
Co-branded cards: Some credit cards that you can use before the actual card arrives - like the Apple Card - only allow you to add the card to a merchant-specific digital wallet. So you’ll only be able to use it with that merchant until the card arrives in the mail.
Some store cards: There are a few credit cards that you can use instantly after approval, like the Fingerhut Credit Card. But you can only use this card for purchases at Fingerhut.
Lastly, it’s worth noting that you can ask a credit card issuer for expedited card delivery – in some cases, this will get the card to you the next day. Finding a card that you can use before it arrives in the mail might seem less important with that in mind.
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