How can we help?

Popular FAQs

Retail credit card FAQs

Get answers about your retail credit card

‍

Understanding your card

You can sign on using the Wells Fargo Mobile® app or Wells Fargo Online®.

If you need help getting started, use these resources to walk you through each step:

The credit card from Wells Fargo Bank, N.A. is associated with the account you applied for when you recently financed a purchase. Use this card as a convenient way to make future purchases at participating businesses.

If you didn't apply for a credit card account with Wells Fargo Bank, N.A., contact us at 1-877-805-7744.

For your protection, sign the back of your credit card and keep it secure. If you haven't received your card within 7 to 10 days of being approved for credit, contact us.

This credit card, issued through Wells Fargo Bank, N.A., is used for financing purchases at participating businesses that may offer special financing options. A regular credit card can be used for multiple types of purchases anywhere that card is accepted, but it generally doesn't offer special financing options.

Check out these videos for more info about promotional terms:

View your statement for the special terms ending date. For more info, review the retail credit card sample statement.

Eligible Wells Fargo Online® customers get free access to Credit Close-Up® which includes:

  • Monthly refresh of your FICO® Credit Score and Experian® credit report
  • Credit monitoring alerts
  • Debt-to-Income calculator

Learn more about Credit Close-Up®.

Regular terms refers to the Annual Percentage Rate (APR) for purchases stated in your cardholder terms and conditions and will apply toward:

  • Remaining balances not paid within the required promotional period
  • Fees
  • Purchases made without special financing terms

No, this is a credit card account financed through Wells Fargo Bank, N.A., and you’ll need to make monthly payments as long as you have an account balance. You can use your available credit at participating businesses.

If you have a Wells Fargo Pay On loan rather than a credit card account, visit our Pay On FAQs.

‍

Special financing: No interest if paid in full

You've got options. Here are just a few of the ways to pay your balance.

Pay equal amounts monthly
Divide your balance and pay it all off before the promotional period ends and you won’t be charged any interest.
Choose your payment amount
Pay at least the minimum amount each month and any remaining balance at the end. Make sure to pay everything back before the promotional period ends to avoid any interest.
Pay the minimum, pay interest
If you make only the minimum payment each month, you'll owe your remaining balance plus all interest accrued from your purchase date once your promotional period ends.
‍

Managing your online account

If you already have a Wells Fargo Online® profile, your credit card account will be added automatically.

To sign up for Wells Fargo Online, you'll need your Social Security number or Individual Tax Identification Number (ITIN), Wells Fargo Bank, N.A. credit card account number, and email address. When you sign up, you’ll need to answer a few questions to create a username and password.

Then you can sign on to Wells Fargo Online from your computer, mobile device, or tablet to access your eligible Wells Fargo accounts. In some cases, we may contact you by phone to help you sign up. Once successfully signed up, you’ll receive confirmation by email or U.S. Mail.

Yes, if you already have a Wells Fargo Online® profile, your credit card account will be added automatically.

  • Access and manage your Wells Fargo accounts
  • Make online payments
  • Set up automatic payments

You may also access your FICO® Credit Score, Wells Fargo credit rating, and more.

Take the tour to explore available features and tools.

Visit Forgot Username or Password? for help.

Sign on to Wells Fargo Online®, and go to your profile to update your contact information.

‍

Statements and billing

You should receive your first statement within 45 days after making the first charge to your credit card account. If you prefer online statements, sign on to Wells Fargo Online®, go to your account and manage your delivery preferences.

If you don't receive your statement in the mail within 45 days, contact us at 1-877-805-7744.

You may not have received a billing statement if:

  • You signed up for online only statement delivery
  • You made your first purchase less than 45 days ago
  • Your first purchase hasn’t posted yet
  • You have a zero balance
  • We don't have your correct mailing address

If you need to update your address, sign on to Wells Fargo Online® and go to your profile to update your contact information. If you don't receive your statement in the mail within 45 days of your first purchase, contact us.

Keep in mind, you won't receive a billing statement until a charge is posted to your account.

Review the sample statement to help you understand each part of your statement.

Sign on to Wells Fargo Online® and go to your account details to view your statement and manage delivery preferences.

Call us at 1-877-805-7744 to request your statement in Spanish or Braille. Large print, audio statements, and other alternative options are also available.

‍

Making payments

You can make payments in a few ways:

  • Online with your deposit account (through Wells Fargo Online® as one-time or automatic payments)
  • By mail (checks or money orders)
  • Over the phone using a personal checking, business checking, or savings accounts
  • Western Union Quick Collect
  • Bank wire transfers
  • MoneyGram

Sign on to Wells Fargo Online® and go to your account to make a payment. You should receive confirmation after submitting your details and completing the payment.

You can set up automatic payments in your account details using Wells Fargo Online®.

After submitting the details, the account details page should reflect the updated auto-pay status. Your automatic payment will reflect on your account on your due date.

We suggest allowing at least:

  • Wells Fargo Online payments
    • 3 to 5 business days using non-Wells Fargo bank accounts
    • 1 business day for Wells Fargo Online payments made using Wells Fargo bank accounts
  • By mail: 7 to 10 business days
  • By phone: Same day (for payments by Midnight, Pacific Time)

Make sure we receive your payment on or before the due date on your statement to avoid late fees and/or interest charges.

To avoid late fees, make sure:

  • You must pay at least the minimum payment due each billing cycle on or before the minimum payment due date.
  • You allow extra time if using electronic payment services that mail paper checks through the U.S. postal service.
  • There are enough funds in your bank account to cover the payment amount.
  • There’s enough time for payments to reach us by the due date shown on your statement.
  • You can make one-time payments or schedule automatic payments through Wells Fargo Online®.

Yes, contact us and we’ll help you change the date your minimum payment is due.

Note: It can take up to two billing cycles to process the due date change. You still need to pay your minimum payment by the due date reflected on your statement until the change is processed.

Yes, you may pay your outstanding balance in full at any time without penalty.

Yes, when you schedule payments through Wells Fargo Online®, you may add additional bank accounts that are in your name.

‍

Account details

Call us at 1-877-805-7744 so we can help you with the credit limit increase.

We’re here to help. Call us at 1-877-805-7744 to assist you.

We call cardholders to verify that their financed product or service has been received, to make sure customers are satisfied with their purchase, and to confirm that their account has been charged correctly and personal information (address, phone number, etc.) is accurate.

We also call cardholders to alert them of their promotional period ending.

We're here to help. Call us at 1-877-805-7744 and a customer service representative will review your credit card account with you. We'll help you resolve the claim as quickly and easily as possible.

To find this information, you can:

Wells Fargo may close your account after 18 months of inactivity unless the terms and conditions of your account have changed or your financial situation has changed.

‍

Contact information

For help with your card, contact us

1-877-805-7744
Monday through Friday
8:00 am to 6:00 pm, Central Time

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. 

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

This calculator is for educational purposes only and is not a denial or approval of credit.

This special terms plan is also referred to within the industry as “Deferred Interest” plans. Key attributes of this plan include the following:

The Annual Percentage Rate (“APR”) for Purchases is used to calculate interest on the purchase balance from the date of the original transaction and throughout the special terms (promotional) period. This amount is called the deferred interest charge.

To avoid paying any interest, a Cardholder must pay off the entire purchase balance in full on or before the special terms end date.

If the Cardholder does not pay off the purchase balance by the end of the special terms period, the deferred interest from the date of the original transaction will be added to the remaining balance, and the APR for Purchases will continue to apply until the purchase balance is paid in full.

Paying only the minimum payment amount each month will not pay off the No Interest if Paid in Full purchase balance during the special terms period.

Monthly payments must be made each month. The revolving account may not be paid ahead. However, the No Interest if Paid in Full purchase balance can be paid by larger monthly payments or by one large payment which we receive on or before the special terms end date.

The special terms end date may be different than the Cardholder’s payment due date.

Terms and conditions apply. Setup is required for transfers to and/or from other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

Online Statements require Adobe® Acrobat® PDF reader. For credit card accounts, Online Statements are available to view and download for up to 2 years. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

‍ Equal Housing Lender


DT1-07022027-12-9006673-1.1