How do I make a Wells Fargo Autograph Card payment?

You need a credit score of 700 or better for the Wells Fargo Autograph Card. That means people with good credit or better have a shot at getting approved for the 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 card. 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

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the card’s credit score requirement. You can check your credit score for free right here on WalletHub.

The Wells Fargo credit card minimum payment is either $25 or 1% of your new balance, plus interest and fees, whichever is greater. If your entire account balance is less than $25, then your balance amount is the minimum payment. Note that any past-due amounts will also be added to the minimum payment.... read full answer

What you should know before making a Wells Fargo credit card payment:

• You must make your Wells Fargo credit card minimum payment every month by the due date listed on your statement.
• Failure to pay on time will result in a late fee, and can lead to credit score damage if you’re more than 30 days late.
• Paying more than the minimum payment each month will reduce your interest charges. Better yet, avoid interest charges altogether by paying the balance in full, if possible.
• If you choose to carry a balance on your Wells Fargo credit card, you will start to owe interest daily and you will lose your grace period on new purchases. That means future purchases will begin to accrue interest immediately.

To see your Wells Fargo credit card minimum payment, check your monthly statement from your online account.

A credit card billing cycle is the period of time between two credit card statements, usually lasting 28-31 days. On the last day of a credit card’s billing cycle – also known as the closing date –the card’s issuer will compile the account’s billing statement. This includes a bill for all the charges made to your account during that billing cycle, minus any payments made. You can find the starting and ending dates for your credit card’s billing cycle on your monthly statement.... read full answer

Understanding your credit card’s billing cycle is important for a few reasons. First, it’s important because your statement balance – the amount you have to pay by the due date to avoid interest – is comprised of purchases made during the billing cycle. The statement balance also gets reported to credit bureaus each month and factors into your credit utilization.

Secondly, the start and end of a billing cycle determine when you have to pay for a given purchase or fee. For example, if you purchase a big TV the day before your statement closing date, you’ll owe that money on your next due date – usually about 25 days later, or however long your grace period is. However, if you buy the TV the day after your statement closing date, it will land on the next statement. So you won’t have to pay for the TV until that statement’s due date, which could be 50 or so days later. For those budgeting out big purchases, timing the purchase to get an extra few weeks to pay can make a huge difference.

Billing cycles are also important if you are taking advantage of a 0% APR intro period. These zero-interest periods are sometimes measured in billing cycles, rather than months. This difference can be worth calculating if the billing cycle is shorter than a typical month, and you are tracking how much time you have to pay off a purchase before the promotional APR period ends.