Christie Matherne, Credit Card Writer
@christie_matherne
The Wells Fargo Autograph® Card may use Experian, Equifax, or TransUnion credit reports to assess your creditworthiness when you apply. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
- When you apply, Wells Fargo will perform a hard inquiry on your credit report, which might temporarily reduce your credit score by up to 5 points.
- If you’re approved for the card, Wells Fargo will report information about your card usage and payment history to the credit bureaus once a month.
- It doesn’t matter too much which credit report Wells Fargo pulls when you apply, because your major credit reports contain nearly identical information. If one includes negative information, the other two probably will as well.
- It’s a good idea to regularly check for any mistakes on your credit report so you can dispute them right away – and to do this before you apply for a card.
You can keep tabs on your TransUnion credit report, as well as check your credit score for free, right here on WalletHub.
People also ask
What is the Wells Fargo Autograph Card credit score requirement?
The Wells Fargo Autograph® Card credit score requirement is 700 or higher. That means people with good credit may have a decent shot at getting approved for the Wells Fargo Autograph Card. You can check your credit score for free here on WalletHub to see if you qualify.
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 Autograph Card. Some other key criteria include your income, existing debt load,...
read full answer by John Miller, Credit Cards ModeratorWhat is the Wells Fargo Autograph Card credit limit?
The Wells Fargo Autograph Card credit limit is $1,000 or more. Everyone who gets approved for Wells Fargo Autograph Card is guaranteed a credit limit of at least $1,000, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
The Wells Fargo Autograph Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the...
read full answer by Chip Lupo, Credit Card WriterWhat credit bureau does Wells Fargo use for credit card approval?
Wells Fargo may use Experian, Equifax, or TransUnion credit reports when you apply for a credit card, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a Wells Fargo credit card.
Key Things to Know
- When you apply, Wells Fargo will perform a hard inquiry on your credit report, which might temporarily damage your credit score by a few points.
- If...
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