Credit Card Help Center

We have a number of payment plans and options for which you may qualify. Here are just a few examples:

• Short-term payment options provide a lower interest rate and a possible lower minimum payment amount. 
• Long-term payment options may be available for customers that require long-term concessions to regain control of finances, with a reduced interest rate and a managed payment size. 
• Credit Counseling Agencies are available for customers that have multiple debts, including debts that are not related to Wells Fargo. We can make referrals to a qualified not-for-profit debt counseling agency that can provide a more holistic approach to debt reduction. Learn more about credit counseling services or contact the National Foundation for Credit Counseling (NFCC): 1-800-388-2227.

We offer products and resources to help you gain control of your finances. These include:

• Account alerts by email and text messaging. Set up alerts that notify you when you approach various account limits.
• Multiple ways to make payments. Let us help you avoid late fees by making prompt payments. You can use Wells Fargo Online^® transfers, Bill Pay, automatic payment service, in-branch payments, ATM payments, and pay by phone. 
• A better understanding of finances. The Hands on Banking^® program (English and Spanish) is a free, noncommercial financial education program, provided as a public service by Wells Fargo, that teaches people in various stages of life about the basics of responsible money management.
• A better understanding of money management. Visit Visa’s Practical Money Skills site with content specifically created to help you develop money management skills, including credit management. 
• My Spending Report. Use our Wells Fargo Online spending tool to categorize your debit card, credit card and Bill Pay spending. You can sort spending categories such as gas, groceries, and restaurants to get a consolidated, big-picture personal spending report.