How can I reach the Wells Fargo credit card customer service?

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

• General requirements: You must be at least 18 years old and have a physical U.S. address to be eligible for a Wells Fargo credit card. You will also need to provide your SSN or your ITIN. No minimum income stipulated, but be sure to include any sources of income outside of wages and retirement benefits, if applicable. Documents such as birth certificates, drivers’ licenses, and Social Security cards are not required, but in some instances, you may be asked to provide copies in order to verify your personal information.
• Wells Fargo Platinum card: Requires a credit score of 700, at a minimum. That means applicants need good credit or better.
• Wells Fargo Active Cash® Card: Requires a credit score of 700, at a minimum. That means applicants need good credit or better.
• Hotels.com® Rewards Visa® Credit Card: Requires a credit score of 700, at a minimum. That means applicants need good credit.

Wells Fargo also issues a number of retail store cards that generally have more lenient approval requirements, as applicants with fair credit or better (a score of 640) can get approved.

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.

It’s also worth noting that you may not be eligible for introductory APR’s, fees and/or bonus rewards offers if you opened another Wells Fargo credit card within 15 months of your application.

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 bear 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.

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.

How to Pay Your Wells Fargo Credit Card Online

• Go to the Wells Fargo website or open the Wells Fargo mobile app.
• 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
• In person: Pay with cash or check at your nearest Wells Fargo branch.

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.