Yes, Wells Fargo has quite a few store credit cards, the most well-known being the Dillard's Store Card and the Kirkland's Credit Card. Both of them offer rewards and you can get approved for them with fair credit (a credit score of 640+).
Having one of these Wells Fargo credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.
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.
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