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Pay on Time, Every Time

Build your credit by paying on time

Why it’s important

Your payment history is a big part of your credit score, representing about 35% of the total. So, paying all your bills on time is one of the best and most important things you can do to protect your credit rating and avoid late fees.

It’s a good idea to prioritize and schedule your monthly payments, making sure to pay at least the minimum balance every month on all your accounts. Take it one step further, and set up automatic payments and reminders online to save you time, and help ensure all your bills are paid before they’re due.

What you can do: Automatic payments

Set up an automatic payment for the minimum amount due. You can always pay more or pay in full.  The automatic payment of the minimum amount will help ensure you are never late on a payment and protect your credit score.

  • If you already have an eligible Wells Fargo checking or credit account, simply sign on to Wells Fargo Online® Bill Pay to set up an automatic transfer.
  • If you don't already bank with Wells Fargo, check out how you can become a customer and use online banking to help you pay your bills on time, every time using Wells Fargo Online Bill Pay.


Setting up Wells Fargo Online alerts is another great way to monitor your accounts. These reminders can give you the status of your account activities at a glance.

How to set up account alerts

If you have Wells Fargo accounts, setting up account alerts can be a good way to help keep on top of your balance when your credit card payment is due.

Go to Alerts page