The Wells Fargo Reflect℠ Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Wells Fargo Reflect Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Wells Fargo Reflect Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Wells Fargo Reflect credit score requirement. You can check your credit score for free on WalletHub.
Wells Fargo does not offer so-called medical loans. But Wells Fargo does give consumers four options to borrow for medical expenses: personal loans, home equity loans, the Health Advantage Credit Card and traditional credit cards with low interest rates.
A personal loan from Wells Fargo works as a medical loan because you can use a personal loan for just about any expense, including medical bills. Wells Fargo’s personal loans are especially attractive because they have APRs of 5.99% - 19.99%. In addition, there are no origination fees on their unsecured loans. That means Wells Fargo is quite cheap compared to many other lenders. Plus, they lend anywhere from $3,000 to $100,000, so there’s a chance to get a good loan for even very expensive procedures. The minimum credit score required is 660.… read full answer
Alternatively, you can get funds for medical expenses through a Wells Fargo home equity loan. Home equity loans can be used for almost anything, too. The amount you can borrow is based on a percentage of the value of your house after the mortgage balance is subtracted. That means you can potentially borrow very large amounts if your house is almost paid off and worth a lot. The downside is that the loan is secured by your house, so if you fail to pay it back the bank could foreclose on you. The APR range is 4.875% to 9.875%.
In addition, Wells Fargo has a credit card specifically for healthcare financing, called the Wells Fargo Health Advantage card. It can only be used at a network of participating healthcare providers, in fields ranging from hearing care and eye surgery to dental care and veterinary care. The card is less expensive than most credit cards, and it’s relatively easy for the average person to get.
Lastly, you may just want to finance relatively minor medical expenses with a low APR credit card from Wells Fargo. The best choice is the Wells Fargo Platinum credit card.
Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Either one or more credit bureaus may be used when evaluating a Wells Fargo credit card application. Cardholder reports suggest the state you live in may factor into which credit bureau Wells Fargo uses when it pulls your credit report. Wells Fargo doesn't publicly disclose if it uses one of the three credit bureaus more than the others.… read full answer
During its review of an application, Wells Fargo will generate a hard "pull" or inquiry of your credit report through one of the three credit bureaus. A hard pull may have a slight negative impact on your credit report, so try not to apply for too many credit cards in a short period of time. Hard pulls may stay on your credit report for at least two years, but any negative effects tend to diminish over time.
You are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.
If there are any discrepancies, you can dispute them by contacting the appropriate bureau directly and have it removed before you apply for a Wells Fargo credit card.
You can use your Wells Fargo credit card anywhere Visa and American Express are accepted.
The majority of Wells Fargo's credit cards are Visa, which is the second largest credit card network globally. In the U.S. only, there are more than 10.7 million merchants accepting Visa card payments.
The Wells Fargo Propel… read full answer, on the other hand, is an American Express card. Although Amex isn't amongst the most widely accepted card networks, it's accepted in over 10.6 million U.S. locations. International acceptance is a bit trickier, especially in Europe where stores and restaurants don't always accept Amex.
Keep in mind that using your Wells Fargo credit card abroad could come with foreign transaction fees. Check out your card's terms and conditions or call 1-800-642-4720 to find out.
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