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, Pacific Time, 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.
You may also want to consider how long different Wells Fargo payment methods take. 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.
The Wells Fargo credit card grace period is at least 25 days, lasting from the close of the billing cycle to the payment due date. This means cardholders have at least 25 days between when their monthly statement closes and their due date. As long as you pay in full during this period, you will owe no interest on your monthly purchases.… read full answer
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining balance and any new purchases on your Wells Fargo credit card will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.
It’s also important to note that grace periods do not apply to cash advances or balance transfers.
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
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