How much is the Wells Fargo credit card late fee?

Question

You can get a Wells Fargo credit limit increase by calling customer service at (800) 642-4720. There is no option to request a Wells Fargo credit limit increase online. It’s best to not make a request until you’ve had your card for at least 6 months, and only if you’ve paid your bill on time every month.... read full answer

You don’t always have to ask for a Wells Fargo credit limit increase to get one, though. Wells Fargo will periodically review your account to see if you’re eligible for an automatic credit limit increase.

Here’s how to get a Wells Fargo credit limit increase:

Call Wells Fargo customer service at (800) 642-4720.

Say or enter your credit card number to be connected to a representative.

Tell the representative you’d like a credit limit increase.

Answer the representative’s questions about your credit and income.

Give the representative permission to do a hard pull of your credit, if needed.

If you ask for a Wells Fargo credit limit increase, Wells Fargo may do a hard pull of your credit, which will temporarily lower your score. But they’ll sometimes do just a harmless soft pull, especially with older accounts and when Wells Fargo offers an increase without you asking for it.

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Answer 1 · 2022-06-11 22:54:09

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Maria Adams, Credit Cards Moderator

@m_adams • 06/11/22 This answer was first published on 06/28/21 and it was last updated on 06/11/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Wells Fargo credit card late fee is up to $40 on all cards. This fee applies when a cardholder does not make at least their minimum payment by the due date. Both the minimum payment and due date are listed on all Wells Fargo credit card billing statements.

Wells Fargo also charges up to $40 for returned checks or returned payments (meaning there are insufficient funds in the account), but there’s no penalty APR after late payments.

How to Avoid Paying a Wells Fargo Credit Card Late Fee

Wells Fargo offers a grace period of at least 25 days between the day your statement closes and your due date. As long as you pay at least the minimum during this period, you will avoid late fees. However, if you don’t pay in full, you will start accruing interest and lose your grace period. To get your grace period back, you have to make up the previous billing cycle’s pending balance and pay the next billing cycle’s balance in full.

If you miss your payment and get charged a late fee, you could always try calling to ask if Wells Fargo will waive the fee. Your chances of this will be better if you have a consistent history of timely payments.

How much is the Wells Fargo credit card late fee?

Maria Adams, Credit Cards Moderator

How to Avoid Paying a Wells Fargo Credit Card Late Fee

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