Chip Lupo, Credit Card Writer
@CLoop
Yes, the Wells Fargo Autograph® Card does a hard inquiry on your credit report when you apply. 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. The hard inquiry allows Wells Fargo to determine your credit risk and ultimately decide whether you’ll be approved for an account.
The Wells Fargo Autograph Card requires good credit to be approved. You can check your credit score by signing up for a free WalletHub account. You’ll have access to free credit scores and free credit reports, both updated daily.
You can also check to see if you pre-qualify for the Wells Fargo Autograph Card by using the Wells Fargo pre-qualification page. Checking if you’re pre-qualified does not affect your credit score, as it only involves a soft pull. Pre-qualification does not guarantee you’ll be approved for the Wells Fargo Autograph Card, though. It only indicates that your odds of approval are high.
People also ask
Is the Wells Fargo Autograph Card easy to get?
The Wells Fargo Autograph® Card is not easy to get. The Wells Fargo Autograph Card is available to people who have good credit or better, meaning a score of 700+. A sufficient credit score is not the only requirement for approval, either.
Wells Fargo Autograph Card Requirements
- Credit requirement: good credit or better
- Age requirement: 18+
- Citizenship requirement: U.S. citizen or permanent resident
- ID requirement: SSN or ITIN
- Income requirement: At least enough to afford monthly bill...
What is the Wells Fargo Autograph Card credit score requirement?
The Wells Fargo Autograph® Card credit score requirement is 700 or higher. That means people with good credit may have a decent shot at getting approved for the Wells Fargo Autograph Card. You can check your credit score for free here on WalletHub to see if you qualify.
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 Autograph Card. Some other key criteria include your income, existing debt load,...
read full answer by John Miller, Credit Cards ModeratorDoes applying for a credit card hurt your credit score?
Applying for a credit card does hurt your credit score, but your score should only drop a few points and rebound within 3-6 months if you use your credit card responsibly. The longest the hard inquiry from a credit card application can affect your score is 12 months. After that, it will still be visible on your credit report for another year but will have no influence on your score.
Impact of a Credit Card...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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