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Reading Your Statement

Want to pay closer attention to where you are spending your money?

Your statement provides balance and transaction details on your account, including how long a balance will take to pay off and how much it costs if you pay only the minimum due.

A guide to reading your statement and understanding key credit terms:

  1. Account Overview
    Includes general account information and the dates your bill covers.
  2. Balance Summary
    Quickly see your month’s activity, including any fees or interest, and new balance.
  3. Need Help
    We’re available to answer your call 24/7. If you prefer to write, there is a mailing address.
  4. Available Credit
    Shows the available credit on your account
  5. Payment Information
    View your new balance, minimum payment due, any amount past due or over your credit line, and your payment due date.
  6. Payment Address
    This area lists the address to use when mailing your payments.
  7. Late Payment Warning
    This area explains what may happen if you don’t pay on time.
  8. Minimum Payment Information
    Shows how long it will take to pay off your balance if you make only the minimum payment due each month.
  9. Credit Counseling
    Contact information for credit counseling services.
  10. Important Information
    Changes to your account or informational messages will be printed here.
  11. Rewards Summary
    If you participate in a rewards program, you’ll see your earnings summary here.
  12. Monthly Transactions, Fees, and Interest
    See all your purchases, other transaction activity, and payments listed in order of date. You’ll also see totals for fees and interest charged for this month.
  13. Payment Coupon
    This will include an area to check off if you have an address change. The coupon is mailed back with your payment.
  14. Year-to-date Fees and Interest
    Shows the totals of fees and interest charged this year.
  15. Interest Charge Calculation
    Lists your balances by type (i.e., purchases, cash advances) and any interest charged this month.
  16. Wells Fargo News
    This space is reserved for special offers or information on our products and services.

Existing Wells Fargo Credit Cardholders can sign on to Wells Fargo Online® to review electronic copies of your statement.

Don’t have a Wells Fargo Credit Card? Learn more about our card options.

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

Credit Line

Also known as Credit Limit, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.

Available Credit

The amount of unused credit available. Available credit is computed by subtracting the outstanding balance from your total credit line.


Interest is the fee for borrowing money. Interest is listed on your credit card statement as Interest Charge.


An outstanding amount of money. A checking or savings account balance refers to the amount of money in a particular account. A credit card balance refers to the amount owed. See also Outstanding Balance.