Wells Fargo

The CD rate at Wells Fargo is 0.01%. There is also a 0.02% bonus rate. These are regardless of term or balance amount. To receive the bonus rate you must maintain a linked Wells Fargo Prime Checking or Portfolio checking account. The minimum opening deposit for a certificate of deposit at Wells Fargo is $2,500.

The easiest way you can pay your Dillard's Credit Card is either online or over the phone at (800) 643-8278. Alternatively, you can make a payment in a Dillard's store, or by mail. The same payment methods apply to the Dillard's Store Card, too.

How to Pay Your Dillard's Credit Card

• Online: You can make a payment online by logging in to your account. You have to enroll in Dillard's card services to access online payment options.
• Over the phone: To make a payment over the phone, call (800) 643-8278 and either follow the prompts to make a payment, or ask to speak with a representative.
• In a Dillard's store: You can pay your credit card in person at any Dillard's store, too.
• By mail: If you prefer to pay your Dillard's Credit Card by mail, send a check or money order (but not cash) to:
   
  Dillard's/Wells Fargo Bank, N.A.
  P.O. Box 51193
  Los Angeles, CA 90051-5493

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.

You can only cancel your Wells Fargo credit card over the phone at (800) 642-4720. But if your card is lost or stolen, you should report it immediately, by calling the same phone number.

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. Plus, you'll still get credit for paying on time every month.

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.

Keep in mind that 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.

Ultimately, 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.

Wells Fargo's requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a Social Security number. You will also need to have a verifiable bank account to qualify for a Wells Fargo personal loan.  

Wells Fargo Requirements for Borrowers

• Credit Score: 660+
• Income: Not disclosed
• Age: 18+
• Citizenship: U.S. citizen or permanent resident
• Identification: Social Security number
• Bank Account: Verifiable bank account
• Residency: All states

Before you apply for any personal loan, it's a good idea to pre-qualify. While meeting all of the requirements gives you a good chance of approval, it's never guaranteed. To pre-qualify with multiple lenders at once, check out WalletHub's free pre-qualification tool.

Yes, Wells Fargo does home improvement loans. You can take out a personal loan from Wells Fargo and use it to pay for home improvement expenses, such as remodeling a kitchen, finishing a basement, putting on siding or many other projects. Wells Fargo does not specifically refer to their loans as “home improvement loans,” so you'll need to take out a general-purpose personal loan.

Quick Facts About Wells Fargo Home Improvement Loans

• APR: 7.49% - 23.74%

• Origination fee: $0

• Loan amount: $3,000 to $100,000

• Payoff period: 12 to 84 months

• Credit score required: 660

Before you apply for a Wells Fargo home improvement loan, it's a good idea to compare the offer to WalletHub's editors' picks for the best home improvement loans. That way, you'll be able to see how the offer stacks up against loans from leading competitors.