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Credit Card FAQs

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 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 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.

Read more about balance transfers.

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

Sign on to online banking and confirm your contact information is up to date so we can contact you if we detect unusual activity.  

At this time, Wells Fargo cards cannot be used in Cuba or other sanctioned destinations as defined by U.S. Department of Treasury's Office of Foreign Assets Control (OFAC). Please call the phone number on the back of your card if you have questions.

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 (if applicable) 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. You can also find the number on your monthly statements.

Please note: When you report your credit card as lost or stolen, you will receive a new card with a new account number.

What should I do about payments if my card is lost or stolen?

You’ll need to continue to make payments as usual except for amounts in dispute. If you’re enrolled in automatic payment or Overdraft Protection, these services may be temporarily unavailable for up to 72 hours while we set up your new account.

Can I still do a balance transfer if my card has been lost or stolen?

  • If you received a promotional or introductory balance transfer offer, it would carry over to your new account number.
  • Find out if a balance transfer offer is available for your Wells Fargo credit card by visiting or calling 1-800-642-4720.

What happens to my balance transfer SUPERCHECKSTM if my card is lost or stolen?

  • You need to destroy any unused SUPERCHECKS associated with the lost or stolen card, because they will no longer be valid.
  • When you report a card lost or stolen, we won’t process any pending SUPERCHECKS associated with the account.
  • If your card is lost or stolen, we won’t reissue new SUPERCHECKS. You can still transfer balances online or over the phone.

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 digital wallet app?

To use your Wells Fargo credit card with a digital wallet like Apple Pay®, Google PayTM, or Samsung Pay, go to Wells Fargo's Digital 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.

Can I switch my credit card?

Yes. If you're a primary or secondary Visa® cardholder, you may be eligible to switch your credit card to better fit your needs. No need to submit another application, undergo a credit check, or change your account number. Note that if you switch products, you will not receive a new rewards bonus offer or new introductory annual percentage rates. Follow the steps below to switch:

  • Sign on to your account
  • Select your current credit card
  • Desktop, laptop and tablet: Go to your card details page and select Switch My Credit Card in the right hand menu.
  • Mobile browser: Go to your card details page; in the top navigation,  swipe left and select More, and then select Switch My Credit Card.
  • Wells Fargo Mobile® app: Select your card and then go to the Manage Account tab and tap Switch My Credit Card.

You'll receive a new card in the mail and any rewards balance will transfer to the new card.

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

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

  • Global Acceptance — Use digital wallets to pay at participating businesses – in stores, online and in apps.
  • Easy to Use — Confirm your identity (with a PIN, pattern lock, fingerprint or iris/face scan ) on your device and tap to pay at participating businesses.
  • Pay Securely — Digital 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 digital wallet, you can make ATM transactions at Wells Fargo ATMs displaying the Contactless Symbol.

For more information about digital wallets, view our Digital Wallets Basics page.

What type of 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, sign on to Manage Alerts. To learn more, review our Credit Card Alerts FAQs.

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


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
  • Online Application Status: 1-800-967-9521

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

Pending transaction questions

What’s the difference between pending and posted transactions?

A pending transaction is an approved charge that hasn't fully processed. Pending transactions affect your available credit but are not final. A posted transaction has been fully processed and completed.

When you make a purchase with your credit card:

  1. We check to see if your account is active and has enough money to cover the purchase.
  2. We place a hold for the purchase amount on your account — and the transaction displays as pending.
  3. The merchant sends a request for payment.
  4. We send the money owed for the purchase, and the transaction status changes from pending to posted.

Why is my transaction still pending?

A transaction remains in a pending status until it’s fully processed. Processing time may take several business days and depends on how long it takes a merchant to submit the request.

Why is the posted amount different from what was shown as the pending amount?

While a charge is pending, the amount may change. Some examples of this include:

  • Restaurants: the pending transaction usually shows the pre-tip total, while the posted transaction reflects the full charge — including tip
  • Gas stations: a pay-at-the-pump service center often authorizes a set amount before you pump your gas
  • Travel: a hotel or car rental agency usually authorizes an estimated amount, which may be different than the final total when you check out or return your rental car

Chip card questions

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.

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.