The Vision, Values & Goals of Wells Fargo details the enduring principles that guide all Wells Fargo team members in the work they do every day in serving customers and helping each other. They want to satisfy their customers' financial needs and help them succeed financially. This unites them around a simple premise, customers can be better served when they have a relationship with a trusted provider that knows them well, provides reliable guidance, and can serve their full range of financial needs. They are committed to being the best they can be for each other, their customers, their communities, and their shareholders. They have the will and the drive to build a better Wells Fargo, every day.
They support thousands of national and community-based nonprofits annually to help revitalize and strengthen communities. They are among the top corporate cash donors among U.S. companies, donating $286.5 million to 14,500 nonprofits in 2017 to support critical social, economic, and environmental challenges. They set aside $142 million for customer remediation and settlement expenses.
Wells Fargo Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 01/24/2021.
Wells Fargo personal loans have many positives, including high loan amounts, a lack of fees, and low rates. Wells Fargo is also one of the few major lenders with both unsecured and secured personal loans.
Wells Fargo offers personal loans between $3,000 and $100,000, with APRs ranging from 5.24% to 24.49% for unsecured loans. That’s one of the lowest minimum APRs available and a fairly low maximum compared to many competing lenders. Wells Fargo’s unsecured loans don’t charge origination fees, either. And while there is a $39 late fee, you get a 10-day grace period after a missed payment to avoid it.
Wells Fargo’s secured personal loans have a $75 origination fee and require money in a Wells Fargo CD or savings account as collateral. Their APRs range from 8% to 19.5%. These secured loans let people take out a loan with better terms than they’d get without collateral, while still earning interest on their own money in the bank. People who pay on time will never lose their collateral.
Another advantage of borrowing from Wells Fargo is that they serve people throughout the U.S. They have over 5,700 branches where you can apply in person with a credit specialist. And while Wells Fargo has had a past scandal involving opening fraudulent accounts, that didn’t have anything to do with their personal loans.
Wells Fargo Personal Loan Review Highlights:
• Wells Fargo personal loan rates : 5.24% to 24.49% for unsecured; 8% to 19.5% for secured.
• Loan amounts: $3,000 to $100,000.
• Origination fee: $0 for unsecured; $75 for secured.
• Late fee: $39, after 10-day grace period.
• Payoff timelines: 12 to 60 months. That’s pretty standard, though some lenders offer periods of 84+ months.
• Funding timeline: Up to 3 business days for approval and 1 additional business day for delivery of the funds.
• Wells Fargo personal loan credit requirements : 660 for an unsecured loan. But Wells Fargo offers secured loans to people with bad credit.
• ID requirements: You must be a U.S. citizen or permanent resident. You can apply using either a Social Security number or Individual Taxpayer Identification Number.
• Co-signers Allowed? Yes. Only some lenders allow applicants to apply with a co-signer. Wells Fargo is one of them.
• Pre-qualification: You can’t pre-qualify for a Wells Fargo personal loan, but you can estimate your rates with Wells Fargo’s calculator.
Wells Fargo is one of the largest banks in the U.S., and they’re well-known for having a wide range of personal banking products, including credit cards and mortgages. But you shouldn’t discount their personal loans. Wells Fargo offers some worthwhile terms for people with good and bad credit alike. Below, you can see how WalletHub rates Wells Fargo in our three major personal loan review categories: Terms, Requirements & Application, and Reviews & Transparency.
Obviously written by a marketing company. Not by a customer. this is a false review.
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jkemps @jkemps
I've been trying to move an acct from wf since aug. 2020. Had to hire a lawyer to force them to comply. Still not done and it's now almost feb. 2021 - about 6 months. Never, ever do business with such a horrible company!
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Product: Wells Fargo Investments
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Wells Fargo
Michael @michaeljsmallwood
After bombarding me with mail begging me to apply for a credit line because of my great fico and credit scores I was turned down with no explanation. Why even tease your customers only to ding their credit with a hard inquiry? What kind of desk baboon with an abacus is making these decisions? You have access to customers' credit scores and cash flow, don't invite us just to shut us out and drop our scores 6 points, that isn't intelligent.
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Product: Wells Fargo Credit Cards
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Wells Fargo
Rachel @rachellynn_mccrary
I love my WF College Card! It's the perfect card to start off with as a college student looking to begin building credit. The application process was very easy and the card structure works well for me.
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Product: Wells Fargo Credit Cards
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Wells Fargo
Linda @lgbryant331
Used for unexpected purchase and install of mini split ductless HVAC. Transaction was easy and seamless and paid off in short order.
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Product: Wells Fargo Credit Cards
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Wells Fargo
aliusama2001 @aliusama2001
This card ruined my credit score! I have never been late with payment and never overdrawn!! One time I had fraud activity on my checking account and I had to freeze it and I called Wells Fargo and gave them the new account info!! But they obviously did not do their job right because they attempted to get the payment from the frozen account!! I called again and again until they got it right finally!!! Then they decreased the limit of my credit! And left bad remark on my credit score!!! Don't get your credit ruined by bunch of loosers !! I just paid every thing off and never deal with them again!!!
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Product: Wells Fargo Credit Cards
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Wells Fargo
Janice @janicel_33
I like my line of credit it comes in handy and is very convenient to use with my WF account. It’s not for everyone but works for me.
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Sandra @hugoandsandy
Great bank. Gives people a chance to prove themselves. I have had a wells fargo account since I was 18 years old. They have me a shot when no one would.
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Product: Wells Fargo Credit Cards
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Wells Fargo
Wanda @greenwanda62
I'm very happy that I'm able to have a credit card to help me with the things I need like emergencies, Wells Fargo and God helped me to be able to do that
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Product: Wells Fargo Credit Cards
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Wells Fargo
dominguezm288 @dominguezm288
Portfolio Recovery Associates, LLC is a corporation that Wells Fargo works with. Good luck if you value integrity or have any standards for the type of companies you think such a well established corporation such as Wells Fargo would work with.
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Product: Wells Fargo Business Services
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+26555 users submitted a rating without writing a full review
You can easily report a Wells Fargo credit card lost or stolen online, but the only way to completely cancel a Wells Fargo credit card account is to call customer service at 1-800-642-4720.
Before you do so, however, make sure you're canceling your Wells Fargo card for the right reasons. It might make sense for a card with an annual fee that you don't plan to use anymore, for instance. But if your Wells Fargo credit card isn't costing you any money, you're better off keeping it open. In general, the more available credit you have, the better it is for your credit score. An account with zero balance also helps your credit utilization. And you'll still get credit for paying on time every month.
The credit score implications are at least worth considering before you cancel any credit card account, especially if you plan to take out a big loan in the next six months or so. In any case, it's always good to have an escape plan, so all Wells Fargo cardholders should know how to cancel their accounts should the need arise.
To cancel a Wells Fargo credit card:
Pay any pending balance and redeem your rewards first. You won't be able to close your account with an unpaid balance, and you'll lose any unredeemed rewards once your account is closed.
Call Wells Fargo credit card customer service at 1-800-642-4720. Enter your card number, press the pound key and tell the representative that you'd like to close your account.
Wells Fargo will close your account immediately. They will mail a letter formally confirming the change within 10 business days of your call.
Check your free credit report. At the very least, make sure to do so two months after receiving Wells Fargo's letter, to confirm the account is closed.
After closing your Wells Fargo credit card, you may want to re-evaluate how much you spend on any other credit cards you may have. Closing a credit card means you have less available credit, and thus possibly higher credit utilization, which can be bad for your score. You can monitor your credit score with WalletHub's free daily updates to ensure that your credit isn't affected by closing your Wells Fargo account.
The Wells Fargo Platinum Credit Card does not offer rewards. But that does not mean it's a bad card. It's just not what Platinum was built for. Wells Fargo Platinum is all about 0% financing and no annual fees.
No rewards is actually common for a 0% credit card such as Wells Fargo Platinum, and a low rate will save you a lot more than rewards if you plan to carry a balance from month to month. That's especially true if you can pay off your balance within a year and a half because Wells Fargo Platinum offers 0% purchases and balance transfers for 18 months. That's an uncommonly long time, which perhaps explains why it requires good credit for approval.
Even though Wells Fargo Platinum does not offer rewards, it does have some other helpful benefits. For example, it comes with rental car insurance, roadside dispatch assistance and travel accident insurance. And you also get stuff like coverage for cell phone damage or theft.
You can fill out an application for a Dillard's Credit Card either online or in a Dillard's Department Store. Alternatively, you can call their customer service at (800) 643-8278 and ask them to send you a paper application via mail.
Keep in mind that a good or excellent credit score is required for the Dillard's Credit Card, but you may get approved for the Dillard's Store Card even with fair credit. Apart from your credit score, the issuer will take into account various other factors, like your credit history, your income, and any debts you might have.
Yes, you can pay your Wells Fargo mortgage with a credit card, just not directly. Lenders typically prohibit people from paying off debt with more borrowed money, because it's a risky practice that can't be sustained for long.
The easiest way to pay your mortgage with a credit card is through a third-party service such as Plastiq. It is a popular service that converts credit card charges into a payment method accepted by your lender. But you'll have to pay a fee to use a service to pay your mortgage with a credit card. Plastiq charges 2.5% of each transaction.
A money-sharing service such as Venmo could be an option, too. But lenders aren't likely to accept this type of payment, and there's a 3% credit card fee.
Another way would be to transfer your remaining mortgage debt to a 0% balance transfer credit card. But you shouldn't do this until you're in the home stretch and can pay off your remaining balance before the end of a credit card's 0% introductory period.
Keep in mind that balance transfer fees or the credit card convenience fees charged by third-party services could throw off the value of paying your mortgage with a credit card for points, miles or cash back.
You can pay your Bob's Discount Furniture credit card bill online, by mail, over the phone, or in person at a Wells Fargo branch. To make a Bob's Discount Furniture credit card payment online, log into your account on the Wells Fargo website or mobile app and head to the “Transfer & Pay” tab. From there select “Pay WF Accounts.” You can then make a one-time payment, or set up automatic payments.
To pay your Bob's Discount Furniture credit card bill over the phone, call 800-459-8451 and enter your credit card number when prompted. This will take you to a menu of options, and you can pay your bill through the automated system.
You can also pay your Bob's Discount Furniture credit card bill by mail. Send a check or money order, along with the payment coupon from your monthly statement, to this mailing address: Bob's Furniture Credit Card / Wells Fargo Card Services / P.O. Box 51193 / Los Angeles, CA 90051.
Lastly, you can always take your Bob's Discount Furniture credit card statement into a Wells Fargo branch to pay your bill. Make sure you have your credit card with you, along with valid photo identification. You can pay with cash or a check. You cannot, however, pay your credit card bill at a Bob's Discount Furniture store location.