What is the Wells Fargo Reflect credit card payment address?

The easiest way you can pay your Wells Fargo credit card is either online or over the phone at (800) 869-3557. Alternatively, you can pay your credit card bill through the mail, or in person at a branch. You cannot make a Wells Fargo credit card payment at an ATM.

How to Pay Your Wells Fargo Credit Card Online

• Go to the Wells Fargo website or open the Wells Fargo mobile app.
• 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
• In person: Pay with cash or check at your nearest Wells Fargo branch.

Keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, always send your payments at least 7-10 business days before your due date.

Wells Fargo credit card limits aren’t particularly high; the minimum credit limit offered is $1,000, though some cardholders have reported receiving starting spending limits as high as $14,000. More specifically, the Wells Fargo Active Cash® Card, the Wells Fargo Reflect, and the Wells Fargo Autograph℠ Card offer a minimum credit limit of at least $1,000.

What you need to know about Wells Fargo credit card limits:... read full answer

• Wells Fargo starting credit limit: It’s important to remember that $1,000 is the lowest credit limit you’ll start out with if you’re approved for an account. However, you could receive a higher limit.
  
  The actual limit you’ll receive is based on your credit history, income, employment status, level of debt, and more. But you won’t know how much your credit limit will be until you’re approved. Wells Fargo does not publicly disclose its maximum credit limits.
• Credit limit increase: If you accept the initial Wells Fargo credit limit offer, you can request an increase in your credit limit after at least six months of timely payments. Also, after six months, Wells Fargo may review your account for an automatic increase.

Eligibility is based on things such as payment history and your total amount of debt. But there’s no guarantee when, or if, an automatic increase will occur. An automatic increase uses a soft inquiry, which means your credit score is not affected.

Ultimately, if you’re not a Wells Fargo loyal customer, you can check our editors’ latest picks for the best high limit credit cards on the market to weigh your options.

It takes 1 to 3 business days for a credit card payment to post to your account if you pay online or by phone. Payments by mail will take a few days longer. If your credit card is linked to your checking account and both accounts are from the same bank, your payment may post immediately following the transaction. Your issuer’s payment timelines are included in your monthly statement, or you can call customer service for more information.... read full answer

In order to understand how long it takes an issuer to post your credit card payments, it’s important to know the difference between “credited,” “posted,” and “cleared.” When you submit a payment, the amount is credited, meaning the issuer recognizes you paid it. But it may not post, or be reflected in your available credit, for another day or two. When a payment is cleared, the issuer has actually received the money. As long as your payment is at least credited by the due date, it’s considered on time, assuming the transaction goes through.

To avoid any worry about how long it will take for a credit card payment to post, set up your account for autopay. This feature automatically debits your bank account for a pre-determined amount on the card’s payment due date. As long as you have enough money in the account to cover the transaction, your payments will never be late. You should be able to set up autopay online or by calling your issuer’s customer service department.