The main Wells Fargo Active Cash requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
Wells Fargo Active Cash Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Good credit or better
If you apply for the Wells Fargo Active Cash card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a Wells Fargo Active Cash cash advance, it’s important to note that it is a very expensive transaction. For starters, a cash advance fee and a separate cash advance APR apply as soon as you withdraw the cash. There may be ATM-owner fees, too.
You can request a Wells Fargo Active Cash® Card credit limit increase by calling customer service at 1-800-642-4720. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Wells Fargo has on file. Wells Fargo will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
Impact of a Wells Fargo Active Cash Credit Limit Increase on Your Credit Score
When you request a Wells Fargo Active Cash credit limit increase, Wells Fargo will conduct a soft pull of your credit report, which does not affect your credit score. However, some Wells Fargo Active Cash credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Wells Fargo cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Wells Fargo Active Cash credit limit increase without even requesting one. The Wells Fargo Active Cash card may offer an automatic credit limit increase if Wells Fargo’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
Mobile App: Log in to the Wells Fargo mobile app and tap your card from your list of accounts to activate it.
If you have any trouble verifying your Wells Fargo Active Cash, you can always call customer service at 1-800-869-3557 for assistance. It’s best to verify your card as soon as possible after receiving it.
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