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.

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% - 24.49%

• 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.

Yes, Wells Fargo does offer debt consolidation loans. You can take out a personal loan from Wells Fargo and use it to pay off existing debts, thus consolidating those debts into a single new balance with one monthly payment that you must make to Wells Fargo. Wells Fargo is one of the few lenders that specifically has loans called "debt consolidation loans," while many others only offer general-purpose personal loans.

Quick Facts About Wells Fargo Debt Consolidation Loans

• APR: 5.99% - 24.49%
• Origination fee: $0
• Loan amount: $3,000 - $100,000
• Payoff period: 12 - 84 months
• Credit score required: 660

Keep in mind that a debt consolidation loan from Wells Fargo will be worthwhile if it saves you money compared to the interest rates you are paying on your existing debts. In addition to the loan's APR, you should also consider any potential fees, as well as the available loan amounts and payoff periods.

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

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 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.