Wells Fargo

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.

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: 5.99% - 19.99%

• 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.

The best Wells Fargo cash back credit card is the Wells Fargo Active Cash® Card because it gives you $200 Cash Rewards. This card also offers 2% cash rewards on all purchases. Plus, cash back rewards do not expire as long as your account stays open. The card has a $0 annual fee, too.

The Wells Fargo Active Cash card even comes with an intro APR of 0% for 15 months from account opening on both purchases and balance transfers. The card's regular APR is 15.74% - 25.74% Variable. There is, though, a balance transfer fee: 3% intro for 120 days, then up to 5% (min $5). These features make Wells Fargo Active Cash an attractive card all-around.

Other Good Cash Back Credit Cards

Although the Wells Fargo Active Cash card is considered one of the best credit cards for cash back rewards, there are also several other good options available on the market. So, if you're not loyal to Wells Fargo, you may want to try cards from other issuers:

Ultimately, you can check out our editors' latest picks for the best cash back credit cards to weigh your options.

No, the Wells Fargo Platinum card 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 its $0 annual fee. However, this card is no longer available to new applicants.   

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.

What you can get instead of Wells Fargo Platinum:

If you're looking for a credit card with rewards, that also offers 0% intro APRs, you're not out of options. For example, Chase Freedom Unlimited® offers 1.5 - 5% cash back, depending on the type of purchase. Plus, this card offers an into APR of 0% for 15 months for both purchases and balance transfers. The card's regular APR is 15.24% - 23.99% (V).

Ultimately, if you're mostly interested in earning rewards, you can check out our editors' latest picks for the best rewards credit cards on the market to weigh your options.

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 an at least good 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.