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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.
7 Reasons Why Wells Fargo Credit Cards Get Declined
- 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 significantly behind on your payments, 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.
- Card or payment terminal issues: Your card could be broken or the merchant’s payment terminal could not be working properly.
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. If you think the reason why your Wells Fargo card application was declined is not accurate, you could request a reconsideration of your application. To do so, call the Wells Fargo reconsideration line at (800) 967-9521.
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