The Wells Fargo Cash Wise credit limit is at least $1,000 for all cardholders, according to Wells Fargo’s website. So anyone who qualifies for this card will have at least $1,000 of spending power. It’s also possible for someone to start with a credit limit well over $1,000. It depends on how good the applicant’s credit score is, how high their income is, and a number of other factors.
Wells Fargo does not disclose a maximum Wells Fargo Cash Wise credit limit. Some customers report getting credit limits greater than $10,000. But you’ll likely need a high income and little debt to get a limit that big.
If you’re not satisfied with your initial Wells Fargo Cash Wise credit limit, you can always ask for a credit limit increase. To do so, call 1-800-642-4720. You should have at least 6 consecutive months of on-time payments before you call, for the best chances of success.
Depending on the account, Wells Fargo may or may not need to do a hard inquiry into your credit history to make a decision. If they do, your credit score will drop a few points. Wells Fargo will also periodically review your account, so they might eventually offer you an automatic credit limit increase even if you don’t ask. Automatic credit limit increases use a harmless soft credit inquiry.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.