Wells Fargo Secured Credit Cards can graduate to unsecured after the cardholder has demonstrated consistent positive payment history and the ability to pay.
Some forum users report Wells Fargo Secured graduation after 1 or 2 years of having the account. But the timing will depend on your individual circumstances, and it’s ultimately at the discretion of Wells Fargo. For example, some other forum users have reported Wells Fargo Secured taking 4 years or longer to graduate, even with perfect payment history and good credit scores.
If your Wells Fargo Secured Credit Card isn’t offering you a graduation date, your best option is to call the number on the back of your credit card to speak to a rep. They may ask to update your annual income to see if you’re eligible.
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. This question was posted by a WalletHub user. 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.