You can’t check for Wells Fargo credit card pre-approval. The only way to find out if you’ve been pre-approved for a Wells Fargo credit card is to receive an offer in the mail. If you get such an offer, it means Wells Fargo has done a soft inquiry on your credit history and determined that you’d be a good candidate for the card they mailed you about. Pre-approval doesn’t guarantee your application will be successful. But it does mean you have extremely good odds.
If you’ve received a Wells Fargo pre-approval offer, it will include a unique code. To respond, just go to the Wells Fargo credit card page, click “Respond to an Offer,” and enter your code.
And if you haven’t received a pre-approval offer, you can still estimate your chances of success before actually applying.
Here’s what you should know about Wells Fargo Credit Card pre-approval.
Wells Fargo will look at a combination of your credit history, income and other debts to determine whether to approve you for a card. You can stay on top of your credit score with WalletHub’s free daily updates.
Some cards may simply be out of reach, depending on your credit standing. For example, you need good credit or better to get the Wells Fargo Propel American Express® card or Wells Fargo Cash Wise Visa® card. If you have bad credit, the Wells Fargo Secured Card is your best shot at approval.
One of the best ways to improve your chances of approval is to boost your credit score. You can do this by paying down your debt, making your monthly payments on time, and using less of your available credit. WalletHub’s personalized credit analysis will tell you exactly what to do.
If you already have a Wells Fargo credit card, credit reallocation may help you get a new one. Reallocation lets you shift some of your credit limit from an existing Wells Fargo card to a new Wells Fargo card. You can’t shift your entire credit limit, and it’s not guaranteed to get you approved for a new card, but it can’t hurt. To ask about credit re-allocation, call 1800-642-4720.
There’s no way to check for Wells Fargo credit card pre-approval. But if you know your credit score, and what type of card you want, you should be able to get a ballpark sense of your approval chances.
You can only get a Wells Fargo credit card pre-approval in the mail, or if you're already a client, you can sign in to your online account and click on the Products & Offers tab to see any pre-qualifications you might have.
Wells Fargo credit card requirements are similar to those of other issuers. You’ll have to provide standard personal information such as name, address, and date of birth. A Social Security number is also required.
For your personal information, Wells Fargo requires you enter a physical address. P.O. Box numbers are not permitted. If you receive the majority of your mail at a P.O. Box, you will be allowed to provide the box number as your billing address, if you are approved for a credit card. … read full answer
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.
Credit score requirements, however, will vary. You’ll need an excellent credit score (750+) to qualify for the Visa Signature and Rewards cards. A minimum good credit (700-749) is required for the Cash Wise Visa, Platinum, and Propel American Express cards. If you have bad credit (640), you’ll likely qualify for the Cash Back College Card.
Wells Fargo also has standard age and income requirements. You must be at least 18 years old to apply for a credit card. If you’re under 21, you will need either a co-signer over the age of 21 on the application, or offer proof of your ability to make at least minimum credit card payments. These requirements are necessary in order to comply with the under-21 provision in the Credit CARD Act of 2009. The law states that anyone 21 years old or younger must meet one of these requirements in order to own a credit card.
Wells Fargo does not have an official cut off for a minimum income, but you are required to be employed and provide your annual income. Be sure to include all sources of income outside of wages and retirement benefits, if applicable. Those include rental income, any investment dividends. You will also be asked to provide your monthly rental or mortgage payment.
You can check your Wells Fargo credit card application status online or by calling 1-800-967-9521. If you’re already a Wells Fargo customer, all you need is your username and password. If not, you’ll have to provide your last name, birthdate, Social Security number and the access code that Wells Fargo emailed you when you applied. If you prefer to call over checking your status online, the phone line is open 24/7.… read full answer
It should only take a few minutes to check your status and find out whether your application is approved, denied or still pending. You should get a final decision within 7 business days of applying. Approved applicants will get their card within 10 business days of approval. You can learn more below.
How to check your Wells Fargo credit card application status:
By Phone: Call 1-800-967-9521 between 5:00 AM and 7:00 PM, Monday through Friday. When prompted, say, “Check the status of my application.” Then, enter your Social Security number.
Online: Use Wells Fargo’s application status webpage. You can check your status using your Wells Fargo login credentials. Or, you can use your last name, date of birth, Social Security number and an access code that Wells Fargo will email you when you first apply.
Email: Simply click “Check Your Application Status Now” in one of the emails you’ve received from Wells Fargo.
If your application is approved, your card should arrive within 10 business days of the decision being reached. However, if Wells Fargo denies your credit card application, you will receive a letter explaining why. If you believe the rationale doesn’t really apply to you, you can request reconsideration by calling 1-800-869-3557. But this is a long shot.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.