Wells Fargo

You can only cancel your Wells Fargo credit card by phone at (800) 642-4720. But if your card is lost or stolen, you can easily report it online.

Before completely cancelling your card, though, make sure you're doing it 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 (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.

No, Wells Fargo Platinum does not offer rewards. But that does not mean it's a bad card. It's just not what this card was built for. Wells Fargo Platinum is all about 0% financing and $0 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 an intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers. 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.

The same applies to the Dillard's Store Card, too.

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.

Wells Fargo Propel points are worth 1 cent each when redeemed for cash back, statement credits, travel, and most gift cards.

There are also options to buy merchandise and digital downloads with Propel points on the Wells Fargo Go Far Rewards portal, but the prices on those items can vary and may give a value of less than 1 cent per point.

Lastly, it's possible to transfer points to another Wells Fargo card that uses Go Far Rewards, at a 1:1 ratio. If transferred to a Wells Fargo Visa Signature card, the points can be worth up to 50% more (1.5 cents each) toward airfare.

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.