How do I verify my Wells Fargo Active Cash Card?

The easiest way you can activate your Wells Fargo credit card is either online or through the Wells Fargo mobile app. Alternatively, you can activate your card or over the phone, by calling (877) 294-6933. To activate online or through the app, log in to your Wells Fargo online account (or create one first). To activate over the phone, you must provide your full card number and verify your identity. In total, the activation process should take you less than five minutes. You’ll also be able to use your card right after.… read full answer

Here’s how to activate a Wells Fargo credit card:

• Online: Log in to your Wells Fargo account on the activation page. From there, verify your identity by entering your personal information (address, Social Security number) in order to activate your card. If you don’t have an online account yet, you can create one in minutes by entering your account number and SSN and then making a username and password.
• Over the phone: Call Wells Fargo at (877) 294-6933. Enter your card number. Enter any identifying information requested, like your Social Security number.
• Wells Fargo App: Download Wells Fargo Mobile app for iOS) or Android. Log in to the app using the same username and password as your online account. Select your card from your list of accounts to activate it.

You need to activate your Wells Fargo credit card before you can use it. And it’s a quick and easy process, so you should be able to start using your card within minutes of receiving it.

If you’re looking to activate a Wells Fargo debit card instead, you can use all of the above methods. But there’s a fourth way to activate a Wells Fargo debit card. You can activate it at any Wells Fargo ATM by simply inserting your card and entering your PIN. Your PIN should have been mailed to you in a separate envelope from the one with your card.

Your Wells Fargo credit card could have been declined for several reasons, such as the card not being activated or not having enough available credit. The best way to find out exactly why your card was declined is to give customer service a call at (800) 642-4720.

Common reasons why Wells Fargo credit cards get declined:… read full answer

• The card is not activated: You can’t use your Wells Fargo card until you activate it.
• There’s not enough available credit: Your purchase might have exceeded the amount of money you’re allowed to spend on the card.
• Suspected fraud: If Wells Fargo’s system flags a transaction as suspicious and possibly fraudulent, they may prevent it from going through until you confirm that you authorized it.
• "Turning off" the account: You can temporarily stop your card from being used for new purchases, but you’ll have to turn it back on again after.
• Delinquency: If you are very behind on paying your bills, Wells Fargo could stop your card from being used for any new purchases.
• The account is closed: If your card is declined, it could mean Wells Fargo closed your account, though they should have notified you if they did.

It is also possible that the reason your Wells Fargo credit card was declined isn’t the fault of either you or Wells Fargo. Your card could be broken or the merchant’s payment terminal could not be working properly. But no matter what the situation is, you’ll probably get the quickest answer by talking to customer service.

It’s worth pointing out that the word “declined” is also sometimes used to mean a credit card application being denied. If your Wells Fargo card application was declined, there are a number of possible reasons.

Reasons why your Wells Fargo card application was denied:

• Low credit score
• Insufficient income
• Too many recent applications
• Too many open Wells Fargo accounts
• Poor payment history

You should receive an e-mail detailing the reason(s) why your application was denied. And if you think the reason why your Wells Fargo card application was declined is not accurate, you could request a reconsideration of your application.

Unfortunately most issuers won't disclose their credit card activation time limit. But a fair assumption, based on what most cardholders report, is between 60 and 90 days.
Nevertheless, your card will appear on your credit report even if you don't activate it. That won't drastically affect your credit score. But it will improve your credit utilization ration ratio, even if you never activate the card.… read full answer