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Credit Card Questions

What should I expect after I apply online?

  • Once you apply online you will receive an application ID and a phone number you may call to check the status of your application if you are not instantly approved.
  • If you are not instantly approved, we will mail you a credit decision within 5 to 7 business days.
  • If you are approved, you will receive a mail package with information intended to help you better understand your credit report and a copy of the applicable Wells Fargo Privacy Notice. Your credit card, additional information on the card features, and terms of the account will be arriving in a separate mailing soon afterwards.
  • If you are not approved for a new account, you will receive a written explanation of why we were not able to grant you credit at this time.

How do I pay my bill?

You can pay your credit card bill:

  • By signing on to Wells Fargo Online®. Compare your payment options
  • By mail. (Please include your credit card account number on your check)
    • Regular mail: Wells Fargo Card Services, P.O. Box 51193, Los Angeles, CA 90051-5493
    • Express mail: Lockbox Services 51193, Attn: WF Consumer Credit Card, 3440 Flair Drive, El Monte, CA 91731
  • By phone. 1-800-TO-WELLS (1-800-869-3557)

Can I change my payment due date?

Yes. Sign on to the Credit Card Service Center and select Change Your Payment Due Date under Account Management. Note that the 29th through the 31st of any month will not be selectable.

How do I add an authorized user to my card?

Sign on to the Credit Card Service Center and select Add Authorized Users to Your Account under Account Management. Please note you are responsible for all charges made to the card in addition to any balance transfers and cash advances, including any Overdraft Protection amounts advanced, made by any authorized users added to the account.

How do I view my credit card balance?

Sign on to Wells Fargo Online® to see your credit card balance, add card services, transfer funds, and more.

If you are not enrolled in Wells Fargo Online, enroll now.

If you are enrolled in Wells Fargo Online and don’t see your credit card account online, simply sign on to Wells Fargo Online and go to Add Account. If you do not see your credit card account in the Add Account dropdown list, please call 1-800-956-4442.

How do I track my rewards earnings?

You can access your Wells Fargo Rewards account(s) in several easy ways:

  • Sign on to Wells Fargo Online, and from the Account Summary page the rewards balance will be displayed within the Rewards summary box.
  • Or log in directly to MyWellsFargoRewards.com. Your username and password will be the same as your Wells Fargo Online username and password. If you have not enrolled in Wells Fargo Online, you will be prompted to do so.
  • You may also access your rewards account online via your mobile device by logging into MyWellsFargoRewards.com. Your mobile carrier's data rates may apply.
  • You may also call the Wells Fargo Rewards Service Center at 1-877-517-1358 to have your balance provided by the automated telephone system or to speak with a Rewards Representative.

How do I transfer a balance to my Wells Fargo card?

Sign on to the Credit Card Service Center through Wells Fargo Online and select Request Balance Transfer under Account Management. Or call 1-800-642-4720.

If you do not have a Wells Fargo Credit Card yet, you can request a balance transfer when you apply for a credit card.

Read more about balance transfers.

What should I do if I plan to travel and use my card?

Please call us at 1-800-642-4720 if you plan to use your card while traveling*. This helps to ensure continued access to your account. If you need to reach us while you are traveling please also make note of these international phone numbers. Learn more about global acceptance of chip cards.

*At this time, Wells Fargo Cards cannot be used in Cuba. Please call us at 1-800-642-4720 to learn about other options for making purchases if you plan to travel to Cuba.

How do I switch to online statements?

Sign on to Wells Fargo Online and go to Manage Delivery Preferences.

How do I use my credit card for Overdraft Protection?

If you would like your Wells Fargo Credit Card to provide Overdraft Protection for your Wells Fargo checking account, you can enroll online, or call us to enroll at 1-800-869-3557.

If you do not have a Wells Fargo checking account, compare and apply for the account that best meets your needs then select the Overdraft Protection box on the application. Subject to credit qualification.

Click here to learn more about Overdraft Protection.

How do I report a lost or stolen card?

If your credit card is lost or stolen, report it immediately to our 24-hour Customer Service number, 1-800-642-4720. This number is also printed on your monthly statements.

Please note: when you report your credit card lost or stolen you will receive a new card with a new account number. Please continue to make payments as usual except for amounts in dispute. If you are enrolled in Automatic Payment or Overdraft Protection services, these services may be temporarily unavailable for up to 72 hours while we set up your new account.

What if there are unauthorized charges on my card?

Your Wells Fargo Credit Card is covered by Zero Liability protection at no extra cost. If your card or its number is ever lost or stolen, you will be reimbursed for unauthorized purchases when you report them promptly by calling customer service at 1-800-642-4720.

For more information, including information regarding your billing rights, please see your monthly statement or Customer Agreement and Disclosure Statement.

Do I need a Personal Identification Number (PIN) for my credit card?

A Personal Identification Number (PIN) assigned to your Wells Fargo Credit Card account is required at ATMs. To request or customize a PIN, please call the number on the back of your card. If you have a chip card, a PIN may be required at some unattended terminals abroad, such as ticket kiosks, parking lots, and gas stations.

Can I create my own PIN?

Yes, to inquire about customizing an existing PIN or creating a new PIN, please call the number on the back of your card.

What if I forget my PIN?

If you forget your PIN, please call the number on the back of your card.

How do I use my credit card at ATMs?

A Personal Identification Number (PIN) assigned to your Wells Fargo Credit Card account will enable you to get a cash advance at Wells Fargo ATMs, as well as participating ATMs worldwide. You can access up to $500 per day from your credit card account. These transactions constitute cash advances on your credit card account. Transaction fees will apply and the APR for Cash Advances will be charged.

Please see your Customer Agreement and Disclosure Statement.

To request or customize a PIN, please call the number on the back of your card.

How do I increase my credit line?

To request a credit limit increase, call us at 1-800-642-4720.

What if I have a dispute on my credit card?

To initiate a dispute please call 1-800-390-0533 or sign on to Wells Fargo Online and access Dispute a Transaction through Account Services in the More menu. Once you contact us with a dispute, we'll help get it resolved as quickly and easily as possible. For questions about a dispute you have already filed, please call 1-800-390-0533.

It is important that you understand the merchant’s terms and conditions upon engaging in a transaction with any merchant, whether the transaction is in person, over the phone or over the internet. The merchant’s terms and conditions outline rules regarding your ability to cancel services and return goods and can impact your dispute.

How can I add my card to my phone’s mobile wallet app?

To use your Wells Fargo credit card with a mobile wallet like Apple Pay®, Google PayTM, Samsung Pay, or Wells Fargo WalletTM; go to Wells Fargo’s Mobile Wallets page and select the mobile wallet you’d like to use. Then follow the directions to add and activate your card in that mobile wallet.

What are the benefits of adding my card to a mobile wallet?

Even though each mobile wallet provider packages their own unique benefits into their app, mobile wallets generally provide three distinct benefits.

  • Expandable Wallet — Mobile wallets allow you to add all your cards: credit, debit, and even gift cards – are all accessible at any time and any place, in single wallet.
  • Ease of Use — Simply confirm your identity (with a PIN, pattern lock, fingerprint or iris/face scan) on your phone, and tap to pay at participating businesses (millions of locations around the world).
  • Pay Securely — You do not share your actual card details with businesses you’re buying from. Instead, mobile wallets replace your actual card number with a unique digital card number. This means businesses do not see or store your full card number.
  • Cardless ATM Access — When you also add your Wells Fargo Debit card to a mobile wallet, you can make ATM transactions at Wells Fargo ATMs displaying the contactless symbol.

For more information about mobile wallets, view our Mobile Wallets Basics page.

What types of credit card alerts can I set up?

Receive notifications by email or text message for a variety of activities to help you monitor and manage your account, including:

  • Payment due and posted
  • Approaching credit limit
  • Purchases exceeding a set amount
  • Foreign transactions
  • Online, phone, or mail purchases

If we detect suspicious card activity, we may reach out to you by phone or text asking you to verify one or more suspicious transactions. You do not need to enroll to receive this alert.

For a complete list of available alerts, please sign on to your Wells Fargo Online® and go to Manage Alerts. To learn more about alerts, see Alerts Questions.

Who can I contact with more questions about my credit card?

Phone

We’re available 24 hours a day, 7 days a week.

  • Customer Service: 1-800-642-4720 (questions, report a lost/stolen card, enroll in rewards programs)
  • International Collect Calls: 1-925-825-7600
  • Pay by Phone: 1-800-869-3557
  • Redeem Rewards: 1-877-517-1358
  • Apply by Phone: 1-800-932-6736
  • Online Application Status: 1-800-967-9521

Email

Wells Fargo Online Customers - Email us
Sign on to send a secure email.

Mail General Inquiries to:

Wells Fargo Card Services
P.O. Box 10347
Des Moines, IA 50306-0347

Mail Payments to:

Wells Fargo Card Services
P.O. Box 30086
Los Angeles, CA 90030-0086

Mail Billing Error Questions to:

Wells Fargo Card Services
P.O. Box 522
Des Moines, IA 50306-0522

Chip Card Questions

What should I do if I plan to travel and use my card?

Please call us at 1-800-642-4720 if you plan to use your card while traveling*. This helps to ensure continued access to your account. If you need to reach us while you are traveling please also make note of these international phone numbers. Learn more about global acceptance of chip cards.

*At this time, Wells Fargo Cards cannot be used in Cuba. Please call us at 1-800-642-4720 to learn about other options for making purchases if you plan to travel to Cuba.

How do chip cards work?

A card with chip technology has an embedded microchip to provide enhanced security and protection against counterfeit fraud when used in a chip-enabled merchant terminal or ATM. Learn more about chip cards.

Are contactless and chip technology the same?

Contactless and contact chip cards both use the same secure chip technology. The main difference is in how you use the card to complete a transaction. To complete a purchase using a card with contactless technology, you wave or tap it in front of a contactless reader. To make a purchase with a contact chip card, you must insert the card into a chip-enabled terminal until the transaction is complete.

How does contactless technology work?

Contactless cards use near-field communication (NFC) technology to transmit data wirelessly from the card to the merchant’s contactless terminal. The technology only works within a two-inch range. If the merchant has a contactless reader, and your card has contactless technology, hold your card in front of the reader at checkout to complete your purchase.

Are contactless cards secure?

The contactless chip provides additional security against counterfeit fraud by generating a unique transaction code each time you use it. This makes it extremely difficult for anyone to reuse your information. The card only works when it’s within two inches of a contactless reader. Since the card never leaves your hand during the transaction, it’s in your control at all times.