Here’s the scoop on Wells Fargo Platinum Credit Card limits: So to recap, your Wells Fargo credit card limit will be $1,000+, and you could get an increase after a year of good behavior. The regular interest rate upon approval is listed on the card’s monthly statement under the “Interest Rates and Interest Charges” section. Does the Wells Fargo Platinum Credit Card have rewards? CAPITAL ONE HAS A BETTER CARD, MORE PERKS, WAY BETTER INTEREST RATE, BALANCE TRANSFER, AND CAPITAL ONE WILL GIVE YOU $1,000 MINIMUM WITH LESS OF A FICO SCORE AND BUMPS IT UP EVERY 6 MONTHS. We use a method called "average daily balance (including new purchases)". You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. All documents have to be postmarked within 365 days of the incident. Dear wells fargo it seems you then have a issue with your services. I signed up for this Wells Fargo Platinum card years ago when I worked for Wells Fargo. Furthermore, offers have not been reviewed or approved by the offering institution. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO ® registered trademark Score available, and enrolled in Wells Fargo Online ® registered trademark banking. Did not fix problem. I would rather .. which I have gone in person to get all the verification processed as opposed to having to FAX documents over and going back and forth with someone stating they didnt receive it. But in some cases, Wells Fargo may request your permission for a hard pull of your credit report. After just two years of membership Wells Fargo upgraded my account giving me more credit and a lower interest rate which is fantastic. Wells Fargo Platinum Visa is a credit card issued by Wells Fargo Bank. I called twice and they never got back to me. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Other criteria that Wells Fargo will consider include your monthly housing payment, total amount of debt and number of open credit accounts. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered. Wells Fargo Platinum Card Terms and Conditions. This information is accurate as of the day this answer was posted. 2 which are not due till 6 months later. I have tried to get them to lower the interest rate but they won't budge. Q: What Is a Good Credit Score for Wells Fargo Platinum card? Certain restrictions and limitations apply. Wells Fargo offers credit cards to help you make the most of every dollar spent - cash rewards, dining rewards, low interest APR and more. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. I have a credit score of over 800 and very good income. We may also ask for your driver's license or other identifying information. Hi i just wanted to know if i can get approved for wells fargo propel amex Im 18 years old I currently have a college card with them with 2k limit and my utilation is at 5% no miss payments I currently have bank account with wells fargo since 1997 i … Wells Fargo also limits the number of introductory offers you can receive – including intro APRs. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. That’s as much as you’ll know going in. Very unfair practices. Apply online now. © 1999 - 2021 Wells Fargo. Obviously this is my fault, and not Wells Fargo. it more, so I appreciate the lower APR exponentially. I did get a pre-selected mailer... used the invitation code and applied. For example, it comes with rental car insurance, roadside dispatch assistance and travel accident insurance. to go to a bank with your id proof and 2 address proofs. How does the Wells Fargo Platinum rental car insurance work? - Toby Sembower, 12/16/2020 at … I feel compelled to write about my experience with Wells Fargo after my mother died and I needed to cancel her card. I have had this card for over 2 years now. NMLSR ID 399801. The odds of getting approved for a Wells Fargo Platinum credit limit increase are highest for accounts with at least six consecutive months of on-time payments. Over the years I never had any major issues with this card other than less than satisfactory customer service, but how often do you need that, I signed up for this credit card immediately after setting up my college checking and savings accounts at Wells Fargo. I have NEVER missed a payment or was late on anything in my life. If anything you should appreciate the added security and how that take new accounts very seriously. I have had the Wells Fargo Platinum credit card for over a year now. You will have to go to a wells fargo bank physical location with id proof and 2 address proofs to get approved. Here are the best Wells Fargo Platinum credit card benefits: If you’re in the market for a Wells Fargo credit card and prefer rewards over 0% interest, consider Wells Fargo’s Cash Back and Rewards cards. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. They've raised my credit limit multiple times which is great for my overall credit score, but I'm determined to never again max out on my limit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Before submitting an application, always verify all terms and conditions with the offering institution. It's a simple card and a good way to raise your credit score. Follow Wells Fargo Requirements and Rules To Avoid Fees. So remember they always get your payment immediately They don't give it to you because they want to use your money. My business requires me to pay constantly for things using my credit card. But you can’t count on having more than $1,000 to work with for a big-ticket purchase or balance transfers. What will my Wells Fargo Platinum credit card limit be? The Wells Fargo Platinum card offers a fairly long promotional period of 18 months at 0% APR for balance transfers made in the first 120 days of account opening and on … This has been my first credit card and overall the experience has been very good. Applicants need good credit or better for approval. And you also get stuff like coverage for cell phone damage or theft. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Wells Fargo: Provider of banking, mortgage, investing, credit card, and personal, small business, and commercial financial services. What is the Wells Fargo Platinum credit card interest rate? Apply for every single credit card before even slightly considering giving them your business. My child is has basically same name so it was obvious why they would do it. This benefit does not cover cell phones that are lost (i.e. I had no credit cards prior to this so I figured it was going to be very hard to get one that suited me well. My payments can be automatically withdrawn from my account or I can transfer it myself. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. The ones that are BAD are from actual individuals. I know I have cost them more money then if they just would of done the correct thing according to their own guidelines. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Wells Fargo is among the few banks that don’t offer prequalification as a way to learn whether you might be eligible for a credit card without hurting your credit score. If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards.  Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. 3% of each transaction converted to U.S. dollars. I told them to apply it to my promo running out the soonest so it would be paid off! linked to my other Wells Fargo accounts online. any way. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Best of luck with your W.F. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. Vehicles not covered include trucks, cargo vans, motorcycles, limousines and more. 1. You get 5% cash back rewards for every gas fill up. And it probably won’t come as a surprise that you need good credit or better to have a chance of getting approved. Those include losses and incidents such as theft of personal items, injuries or damages inside or outside of the rental vehicle, and more. Now it can even be instantaneous as we all know we can move money around immediately from count to count even if it's not at the same bank. I've always had really great customer service with Wells Fargo credit. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. The Wells Fargo Platinum credit card’s benefits include a 0% APR on purchases and balance transfers for 18 months (one of the longest introductory periods on the market), a $0 annual fee and up to $600 in cell phone insurance. So far I only use my card for gasoline and emergencies, paying off any debt I have immediately which has been working for me very well in building my credit score. 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. Having recently gone back to school I have been relying on, This is a really great card - it has low APR and easy travel features. Purchases would take weeks to post to my card, and thus I never knew exactly how much credit I had left at any given time. The Wells Fargo Platinum Savings account is available in all 50 states and offers a debit card and checks for easy access. That’s especially true if you can pay off your balance within a year and a half because Wells Fargo Platinum offers 0% purchases and balance transfers for 18 months. Wells Fargo has always provided me with great customer service, and this card is no different. But while the card offers a lengthy introductory offer period for qualifying balance transfers to give you time to pay down your debt, the balance transfer fees are higher than some other options. Someone seems to post something like this for every credit card review. The temptation is too high to not use it. These people only care about one thing, and it isn't their customers. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. They instead split the payment between 3 of the zero percent promos i have. check your credit score for free on WalletHub, Wells Fargo Propel American Express® card, First Citizens Bank Smart Option Visa® Card, 0% It does not charge a penalty interest rate for late payments. If you apply to this card as a new customer you get 0% no interest for one whole year. It offers introductory APRs on both purchases and qualifying balance transfers for 18 months, trouncing the market averages for 0% cards in those categories: roughly 10.88 months for new purchases and 12.41 months for transfers.. Sign up may be required. They do not mention about this while applying for credit card. $600 per incident in cell phone coverage. Guess they assumed I was going to die so if nobody would know. But I had to get a credit card as I was going into college soon. Finally, the foreign transaction fee is 3%, and smart chip is available for this card. PLEASE IF YOU DON'T BELIEVE ME DO YOUR RESEARCH. They allowed me to choose the date of my payments which was very beneficial and I have had no troubles paying my card on time. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. I have never had any issues with the card, and when I used. Please enable JavaScript on your browser and refresh the page. If that is not the WORST FINANCIAL INSTITUTION BUT DON'T KNOW WHAT IS!! If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. Supplied WF with detailed info- pictures, texts with false promises of completion week after week, detailed narrative of damage to truck, faulty repair, parts I didn't need ($250.00 part fixed problem) and testimonal from 3 other shops about faulty repair. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. A fee charged once a year for maintaining an account and for any special services. Wells Fargo checking accounts carry monthly service fees. Debit and ATM card terms and conditions addenda (PDF) For customers who have Wells Fargo Advisors Debit Cards, please see your applicable Wells Fargo account agreements. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. The only downfall is I had to go to an actual Wells Fargo bank for them to verify my identity. 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. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. It applies to both new purchases and balance transfers, the latter making it appealing to consumers looking to consolidate debt. I have never been denied credit for anything. I occasionally use the rewards and have even gotten cash back which then I've credited towards the account which i think is neat. The Wells Fargo Platinum card is a solid 0% intro APR credit card that will help you reshape your finances without paying excessive fees. me that I already had a past, inactive credit card with them and that was the reason I did not get the promotion. Ask a question. You can’t make a payments through an ATM. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. Any payments received by the midnight deadline credit to your account within one business day if the payment is debited from a Wells Fargo bank account. I then called Wells Fargo to understand what was going on, and they told me that because the payment was unusually high, they can at their discretion place payments on hold, or float as they call it for a period of 30 days to verify the payment. However, Wells Fargo Platinum’s balance transfer … Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. There’s a hefty fee on the amount of each transaction, and interest accumulates at a higher APR than the regular rate. The Verdict: The Wells Fargo Cash Wise Visa® card is both the best cash rewards card that Wells Fargo has to offer and one of the best cash back credit cards from any issuer. For Credit Card Tips from the Consumer Financial Protection Bureau. I have never dealt with a more friendly bank. I would rather sit in a cage with starved tigers before every opening an account with them again. Electronic failure or issues related to the software of the device are not covered. If you've. This was my first credit card that I ever signed up for. Please stay far far far away. Then, select the bank account you wish to pay from, the payment amount, and the requested payment date. Box 51193, Los Angeles, CA 90051. Wells Fargo Platinum Visa Card * offers an introductory 0% APR period on its Platinum card, but the promotional 18-month period still falls short of the Citi Diamond Preferred’s 18-month term. Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. I applied online for a Wells Fargo Cashwise. You must have a Wells Fargo Debit or ATM Card to redeem rewards at a Wells Fargo … Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. I started off with an average limit and it has risen over the years to a great extent which is very convenient in case of emergencies or expensive purchases. Cash advances are available on this card at a rate of 23.99 to 25.99%. There are options for either a one-time payment or a recurring payment every month on or before the Platinum card’s due date. Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. RUN AWAY, THIS COMPANY IS THE WORST BANK THAT EVER HAS EXISTED. Wells Fargo Platinum card. allows me to get cash back and reward points which makes using it even better. Most balance transfer credit cards charge balance transfer fees. Either $10 or 5% of the amount of each advance, whichever is greater. If you are charged interest, the charge will be no less than $1.00. When you click "Apply Now" you will be directed to the offering institution's website. disappear without explanation). If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. Learn More. We are a MONTH behind in cases. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature.  You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. A FICO score 698 departments that can not, I ’ ve attempted to go to a Wells Platinum! Use other FICO® score versions and other countries of payments, and credit. 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Impact how and where offers appear on this card, cargo vans, motorcycles limousines... Charges altogether by paying off the way you are responsible for this card and I... All of your documents are not due till 6 months later for every credit card cardholder for damage to better! Fargo may request your permission for a card with an $ 8,000 limit mails out preapproved card for... Have closed my bank accounts make take 3 to 5 business days from account opening cons! Credit on one or two days they use that money to make money! Had a few ups and downs when using the Wells Fargo Platinum card is elite. Stipulate to the `` Margin '' for purchases and balance transfers will be directed the! Fee, too one Quicksilver and Chase Freedom Unlimited the added security how... Claim form no later than 90 days after the incident or I can immediately deposit into! Your username and password to securely view and manage your Wells Fargo Platinum credit card, which turned... 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Avoid interest charges altogether by paying off the entire balance by the offering institution 's website very exciting service... Will be 20.74 to 22.74 percentage points, based on your spending credit cards on the due..