What is the Wells Fargo credit card payment cut off time?

This question is about Wells Fargo Credit Cards

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@WalletHub 05/25/20 This answer was first published on 05/25/20. 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 payment cut off time is 11:59 p.m. Pacific Time on your due date. As long as Wells Fargo receives your payment before midnight, they will consider it to be on time. If you don’t make your payment by that cut off time, you will owe a hefty late fee on top of your payment.

It’s not a good idea to wait until right before the Wells Fargo credit card payment cut off time to submit your payment. Ideally, you should pay right after you receive your monthly statement, or as soon after that as you can based on your financial situation.

If you plan to mail your payment, it’s best to do so 7 to 10 business days before the due date to make sure Wells Fargo receives it on time. And if you typically pay online, you may want to consider setting up automatic payments. That way, Wells Fargo will automatically withdraw your payment by your due date each month, and the only thing you’ll have to worry about is making sure the account it’s being taken from has enough funds.

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How long is the Wells Fargo credit card grace period?

The Wells Fargo credit card grace period is 25 days or longer on all credit cards. This means cardholders have at least 25 days between when their monthly statement closes and their due date. As long as a cardholder pays in full during this period, they will owe no interest on their monthly purchases.… read full answer

You are not required to pay your full balance during the Wells Fargo credit card grace period, just the minimum payment listed on your statement. However, if you do not pay in full, any balance you carry will begin to accrue interest daily based on the card’s APR. In addition, carrying a balance will cause you to lose your grace period, meaning that future purchases will start to accrue interest right when you make them. To get your Wells Fargo credit card grace period back, you must make up the balance pending from the previous billing cycle and pay the next one in full.

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How can I pay my Wells Fargo credit card?

You can pay your Wells Fargo credit card either online, or over the phone at (800) 869-3557. Alternatively, you can pay through the mail, or in person at a branch. Making your Wells Fargo credit card payment online is definitely the easiest option. You can do so from the Wells Fargo website… read full answer or from the Wells Fargo mobile app. Just log into your account and head to the “Transfer & Pay” tab. From there select “Pay WF Accounts.” You can then 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, and 3-5 business days for payments from non-Wells Fargo bank accounts.

Wells Fargo Credit Card Payment Options:

Online: Log in to your account, click on “Transfer & Pay” and select “Pay WF Accounts.”

By mail: Mail a personal check to Wells Fargo Card Services, P.O. Box 51193, Los Angeles, CA 90051. Allow 7-10 business days for your payment to arrive.

Over the phone: Call (800) 869-3557. Payments made by midnight Pacific time will be credited the same day.

In person: Pay with cash or check at your nearest Wells Fargo branch.

You cannot make a Wells Fargo credit card payment at an ATM.

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