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Credit Card FAQs

What should I expect after I apply online?

  • 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 downloading the Wells Fargo Mobile® app or signing on to Wells Fargo Online. Compare your payment options
  • By calling the number on the back of your card. 

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, 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.

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.

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, please call the number on the back of your card or on your statement.

What if I have a dispute on my credit card?

To initiate a dispute please call 1-800-642-4720 or sign on to Wells Fargo Online and access Track Claims in Account Services. Once you contact us, we'll help resolve your claim 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 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 or sign on and go to Replace my card. If you have fraudulent transactions we will need to speak to you. 

Please note: When you report your credit card as lost or stolen, you will receive a new card with a new account number.  If you believe you have misplaced your card, you can temporarily turn your card off by signing on and going to Card Controls.

Turning off your card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Turning off your card will turn off all cards associated with your credit card account, including any digital card numbers linked to the cards. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

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.

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, visit the Guide to Digital Wallets page to see how to add your cards via the Wells Fargo Mobile® app.

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.

  • Widely Available — 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 Guide to Digital Wallets page.

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 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 Card.

  • Wells Fargo Mobile® app: Select your card and then go to the Manage Account tab and tap Switch My Card.

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

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
  • 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.

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