Should I get Wells Fargo's new credit card?

Wells Fargo credit card approval odds are best for people who have good credit. This means that most Wells Fargo credit cards require credit score of 700+.

Some exceptions are the Wells Fargo Rewards® Card, which requires a excellent credit score (750+), and the Wells Fargo Cash Back College℠ Card, which is available to students with even limited credit. … read full answer

Keep in mind that the higher an applicant’s credit score, the higher their approval odds are likely to be. But approval depends on many other factors as well. For example, applicants will need to have enough income to make payments on the card, and higher income generally leads to better approval chances. Other factors that will play a role in approval include existing debts, monthly housing payments and more.

Unlike many other major credit card issuers, you unfortunately can’t check your Wells Fargo credit card approval odds before you apply since the bank doesn’t have an online pre-approval tool. However, Wells Fargo does send out pre-approved offers by mail. If you receive one, it means that your approval odds for that particular card are high, though approval is still not guaranteed.

Wells Fargo offers virtual credit cards, but through third-party services rather than directly. A virtual card uses a uniquely generated payment number at checkout when shopping online so that the merchant doesn’t have access to your credit card information. This is helpful because if the merchant is compromised, they won’t have your card number, expiration date and security code. That way, hackers can’t steal it to make fraudulent purchases.… read full answer

You can get a virtual Wells Fargo credit card number through Apple Pay, Google Pay or Samsung Pay. Each of these free apps allows you to input the payment information of your Wells Fargo credit card(s). Then, when you check out at a site, you’ll just need to log in to the app and select the card you want to use, at which point the app will generate virtual card information to complete the transaction.

Getting a virtual Wells Fargo credit card number is always a good idea because of the extra layer of security it provides. It’s free, too, so all it takes is a few minutes of your time to set up an account and add your card information. You can also add any Wells Fargo card to Visa Checkout, which doesn’t provide virtual card numbers but does improve the security of online purchases and prevents you from having to type in your card info every time.

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.