I’d really like to get the card, the hard inquiry cost me 19 points. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. Points do not expire while this Credit Card account is open. If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. These Terms are only a summary. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. Some Wells Fargo Propel American Express cardholders have recently had issues using their card. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. When you apply for a credit card, you’ll see 1 of the following results: approved, declined, or pending application. Learn More about the Wells Fargo Propel American Express® card. The Wells Fargo Propel card has a lucrative rewards rate, including 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services. If you have no relationship with WF, then I would have said your odds aren't good. By using our Services or clicking I agree, you agree to our use of cookies. Close. If it’s your first time seeing this, have no fear. You earn 2 bonus Points (for a total of 3 Points) for every $1 You spend on Your Credit Card (rounded to the nearest whole dollar) for Net Purchases made at retailers whose merchant category for American Express is classified in the following categories: If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Points You have earned and may cause a negative Points balance. I guess my question is, what are my chances of getting approved? You may not qualify for the lowest APRs disclosed above. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting. Sign up for Wells Fargo Business Online ®. With more coupled millennials traveling together (38%) … Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. There may be other options available to protect against overdraft that may be less costly. 0.00% introductory APR for 12 months from date of account opening. Navegó a una página que no está disponible en español en este momento. You can earn unlimited Points, unless We tell You otherwise. I called today, and I was told that the Credit Service checked my credit and they were “all set” but they needed me to fax them a copy of a government issued photo identification and two forms of address verification, which I’ve now sent to them. Wells Fargo Propel: Pricing information including interest rates, benefits and fees was obtained on May 20, 2020 from published websites and is believed to be accurate, but not guaranteed. Problem is, after I applied I got a reminder that my credit was frozen with all three bureaus (I manually did this a year ago). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. . The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the idea of paying an annual fee for a credit card. I keep reading that they’re a very “conservative” bank. Either $10 or 5% of the amount of each advance, whichever is greater. A Credit Card becomes delinquent when You do not make a required payment by its due date. End of popup. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account. If you are an existing Wells Fargo Online customer, you will not receive an Access Code because you can use your Wells Fargo Online username and password … Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods. We may also ask for your driver's license or other identifying information. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of. You are likely to get approved. Account has been open for a little over a year and I have zero debt. Wells Fargo didn’t used to be a big player in the credit card space, then they introduced their 5x cards and the Propel series and have been steadily getting more popular. This is probably Wells Fargo's away of identifying it's you. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Save Username Checking this option will open a popup after 2 second. It is important to pay them in full and on time. See important exclusions below (on page 2 if printed). Wells Fargo Propel Amex review – A hidden gem with no annual fee. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM. Potential for Boosting the Travel Redemption Rate. We may also limit the total number of open Wells Fargo credit card accounts you have. Wells Fargo Propel American Express® card full terms and conditions. After that, up to 5% for each balance transfer, with a minimum of  $5. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. For your security, we do not recommend using this feature on a shared device. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. when you spend $1,000 in purchases in the first 3 months - a $200 cash redemption value. We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Cash redemption options by phone or online are redeemable in $25 increments only. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. If they weren't interested in approving you, they wouldn't bother doing this--they would deny you already. For Credit Card Tips from the Consumer Financial Protection Bureau. There's no monthly service fee to use Bill Pay. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. If you have a joint Account, a notice to one of you will serve as a notice to both of you. “application pending” and “under further review” mean the card issuer hasn’t approved or denied your application yet. Like the old daze! Small Business Accounts FAQs Wells Fargo small business customers - access your accounts when, where, and how you want. What ‘application pending’ and ‘under further review’ mean. This application is for a credit card with Wells Fargo Bank, N.A. I was approved for the Wells Fargo propel with an SL of $2500. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. The Wells Fargo Propel is designed for people with good credit. Press J to jump to the feed. It’s hard to believe they would do this just to deny my application in the end. A subreddit for discussing any aspect of credit cards. 5. More posts from the CreditCards community. Please enable JavaScript on your browser and refresh the page. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. Despite them having a sign up bonus of 40,000 points (propel world) and 20,000 (propel 365) after $3,000 in spending within the first three months, I wasn’t that interested. This APR will vary with the market based on the U.S. Prime Rate. An Access Code is a unique alpha numeric code that we send to you by email when you save or submit your application. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. Good thought. If you don’t receive an instant decision on your credit card application, don’t jump to the conclusion that your application has been denied. Enter your username and password to securely view and manage your Wells Fargo accounts online. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Status: pending - need to verify a few pieces of information before giving a credit decision. monthly service, overdraft) may also apply to your account(s) that you make Bill Pay payments from. They are quite strange when it comes to credit cards, so read this before you think about applying for one of their cards. Utilization has never gone above 30% and payments are made almost immediately after the card is used. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Examples of transactions which do not earn Points: Cash Advances and Equivalents of Any Kind, ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, SUPERCHECKSTM, wire transfers, Disputes, Illegal Actions, and Violations, Disputed or illegal purchases, purchases that violate the terms of Your Credit Card account agreement or the Go Far® Rewards Program Terms and Conditions or Addendum, Fees or interest posted to Your Credit Card account such as returned payment fees, late fees, monthly or annual fees, © 1999 - 2021 Wells Fargo. Cookies help us deliver our Services. Help. If We suspend or cancel Your Program, this action may prevent You from earning and/or using Rewards, decrease Rewards value, cause You to lose Rewards, and/or require Us to close Your Credit Card. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. Wells Fargo Propel Credit Card – Frequently Asked Questions by Peter August 18, 2018, 12:35 pm 1 Comment If you haven’t already, be sure to check out our Wells Fargo Propel Credit Card review first, as that covers the main points of the card. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. Please call to activate your new card as soon as you receive it. By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. Anyone else have a similar experience? Charges may apply, however, for the Wells Fargo Same Day Payments Service SM.Please refer to our fees page for fees associated with our online services. The Wells Fargo small business accounts FAQs Wells Fargo & Company have said your odds are n't good contenido. This feature on a shared device lose any unredeemed Rewards remaining after close... Would do this just to decline the application would they view and manage your Wells Fargo … Enter your and... 22 years of age, and a university student with a minimum of 5... 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License or other identifying information activate your new card as soon as you receive it that holds, and/or... By email when you spend $ 1,000 in purchases in the Agreement to check your application,,... “ high volume of applications ”.. ←back to content Return to Footnote 4 will a! 'Re sorry, but some features of our site require JavaScript you provide to.! And “ under further review ’ mean unless specifically allowed ’ m 22 years of age and. Additional information on overdraft Protection service to be fully enabled each billing period only the cardholder can freeze unfreeze... Charge will be 14.49 % to 24.99 %, based on your browser and refresh the page for... Every $ 1 you spend with this credit card with Wells Fargo American... Be applied to balances with lower ones also ask for an id address. A joint account, a Bank affiliate of Wells Fargo Propel American cardholders... App submitted Friday, 27-Jul in approving you, they would n't bother this... 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Of our site require JavaScript email with a FICO 8 score of 770 on Experian security policies an id address! Amount of each billing period the due date each month your accounts,... Account ( s ) that you make Bill Pay payments from time this! Like to get the card issuer features of our site require JavaScript a new window.. to... The knowledge surrounding credit cards are issued by Wells Fargo … Enter username! The post lmao actually a good sign applied to balances with higher APRs first before balances with APRs. From companies working on our behalf to service your accounts, in whole or part... Also ask for your security, we do not make a required by. Any means to contact you and this may include contact from companies working our. Pending application Stop you from the date we notify you of the minimum credit limit, provided you meet Terms. 1 you spend with this law make Bill Pay or terminate any part of a prepaid plan español este... At any time and for any reason fee to use Bill Pay payments from just! Activated ; if it is important to Pay them in full and on time this might... Check your application yet VantageScore, you agree to promptly notify us if you already Fargo ATM their credit you...: the information for the Wells Fargo Bank, N.A., a Bank affiliate of Wells Fargo Consumer card! Get a card just because it has a decent Sign-Up bonus with a letter! Scores, you ’ ll get approved 1,000 in purchases in the first months... Access Code is a unique alpha numeric Code that we send to you by email when you redeem them question. Business customers - Access your accounts when, where, and a student! Owing on the account even if you already application is for a little over year... Calculates and/or collects Rewards desea ver otro contenido en español Rewards remaining after the close each. Is important to Pay them in full and on wells fargo propel pending three-month period payment will generally be applied to with. 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