Yes, it is hard to get the Wells Fargo Reflect® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Wells Fargo Reflect.
In order to get the Wells Fargo Reflect, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN.
Keep in mind that even if you meet all of the requirements for the Wells Fargo Reflect, you’re never guaranteed to be approved.
The easiest way you can pay your Wells Fargo credit card is either online or over the phone at (800) 869-3557. Alternatively, you can pay your credit card bill through the mail, or in person at a branch. You cannot make a Wells Fargo credit card payment at an ATM.
Log into your account and select the “Transfer & Pay” tab.
Click “Pay WF Accounts.”
Make a one-time payment, or set up automatic payments.
Payments made before midnight Pacific time will be credited within one business day if they’re from a Wells Fargo bank account. It takes, 3-5 business days for payments from non-Wells Fargo bank account.
Other Wells Fargo Credit Card Payment Options
Over the phone: Call (800) 869-3557. Payments made by midnight Pacific time will be credited the same day.
By mail: Mail a personal check (not cash) to the following address: Wells Fargo Card Services P.O. Box 51193 Los Angeles, CA 90051-5493
Keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, always send your payments at least 7-10 business days before your due date.
Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth. A Social Security Number (SSN) or an Individual Tax Identification Number (ITIN) is also required, and all applicants must be 18+ years old.… read full answer
Wells Fargo Credit Card Requirements
A credit score of 700+ (good credit) for most cards
Physical U.S. address (no P.O. boxes)
18+ years old
Social Security Number (SSN) or an Individual Tax Identification Number (ITIN)
Other factors such as your income, debts, housing payments, and your general ability to afford credit card payments will also be taken into consideration when evaluating an application.
Wells Fargo also issues a number of retail store cards that generally have more lenient approval requirements. So, applicants with fair credit or better (a score of 640) can get approved.
If you want the best Wells Fargo credit card approval odds, make sure to pay your bills on time and try to keep your credit utilization around 30%. And keep in mind that an application will trigger a hard inquiry which may temporarily cause a dip in your credit score. So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.
One of the easiest unsecured cards to get approved for is the Credit One Bank® Platinum Visa® for Rebuilding Credit. You can get approved for it even with bad credit. This card offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Easiest Unsecured Credit Cards to Get Approved For
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.… read full answer
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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