I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting. Problem is, after I applied I got a reminder that my credit was frozen with all three bureaus (I manually did this a year ago). If the Credit Card that closes is the last Credit Card in Your Rewards Account any Rewards Pending or Rewards in Your Rewards Account on the date the Account closed will be forfeited except as provided for in the Go Far Rewards Program Terms and Conditions. An Access Code is a unique alpha numeric code that we send to you by email when you save or submit your application. You are likely to get approved. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Close. Cash redemption options by phone or online are redeemable in $25/2,500 Point increments only and can be done either by automatically applying it to Your eligible Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. I called same day and they told me to call in tomorrow due to “high volume of applications”. Wells Fargo Propel Amex review – A hidden gem with no annual fee. American Express is a federally registered service mark of American Express. APR for Cash Advances and Overdraft Protection Advances. I called in today verified my last 4 SSN, name and address and I was told I was approved. An account within the Rewards Program that holds, calculates and/or collects Rewards. The Ohio Civil Rights Commission administers compliance with this law. So I called them today and they said the application was rejected because I didn't not have enough credit history. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Contact the Bank. I called today, and I was told that the Credit Service checked my credit and they were “all set” but they needed me to fax them a copy of a government issued photo identification and two forms of address verification, which I’ve now sent to them. You agree to promptly notify us if you change any contact information you provide to us. NMLSR ID 399801. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. There's no monthly service fee to use Bill Pay. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account. In this summary, You will find the following terms: Addendums go with these Program Terms and Conditions and give specific Terms and Conditions for Your Wells Fargo rewards-based Credit Card. “You”, “Your”, or “Customer” means, as applicable, each person who is the owner of an Earning Mechanism and a Username. Utilization has never gone above 30% and payments are made almost immediately after the card is used. We round the amount to the nearest whole dollar. disappear without explanation). The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods. It’s kinda killing me to know. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Please ask questions and contribute to the knowledge surrounding credit cards. I guess my question is, what are my chances of getting approved? I guess my question is, what are my chances of getting approved? Good thought. No … I was approved for the Wells Fargo propel with an SL of $2500. If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. You do not earn Points on some transactions. If We suspend or cancel Your Program, this action may prevent You from earning and/or using Rewards, decrease Rewards value, cause You to lose Rewards, and/or require Us to close Your Credit Card. All rights reserved. The Wells Fargo Propel card has a lucrative rewards rate, including 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. 20,000-Point Initial Bonus:Wells Fargo Propel’s 20,000 bonus points (worth $200) is about what the average rewards cards will give you: 22,318 points/miles. Despite them having a sign up bonus of 40,000 points (propel world) and 20,000 (propel 365) after $3,000 in spending within the first three months, I wasn’t that interested. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Called CSR this morning (Mon, 30-Jul), no questions asked—approved, 7.5k. For your security, we do not recommend using this feature on a shared device. If it’s your first time seeing this, have no fear. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. If you are an existing Wells Fargo Online customer, you will not receive an Access Code because you can use your Wells Fargo Online username and password … 0.00% introductory APR for 12 months from date of account opening. To qualify for the 30,000 bonus rewards points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Wells Fargo credit card application pending Use the Wells Fargo application status portal to check your Wells Fargo credit card status. To find out what may have changed, call 1-866-568-6521. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. I've had a mortgage with Wells Fargo during the past 5 years and was auto-approved last month for the Propel World Card, with 13 new cards over the past 16 months. Issue is only the cardholder can freeze and unfreeze their credit unless you’ve lost complete control of your info. Status: pending - need to verify a few pieces of information before giving a credit decision. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Cash redemptions via a withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20/2,000 Point increments only. These Terms are only a summary. Wells Fargo Propel Credit Card – Frequently Asked Questions by Peter August 18, 2018, 12:35 pm 1 Comment If you haven’t already, be sure to check out our Wells Fargo Propel Credit Card review first, as that covers the main points of the card. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details. If you have no relationship with WF, then I would have said your odds aren't good. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you. Go Far Rewards points earned with the … ATM transactions, cash advances of any k… “application pending” and “under further review” mean the card issuer hasn’t approved or denied your application yet. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,500.00. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. They wouldn’t ask for an id and address verification just to decline the application would they? Please enable JavaScript on your browser and refresh the page. We may also limit the total number of open Wells Fargo credit card accounts you have. Don’t Let a Pending Application Stop You From Earning a Sign-Up Bonus. It’s hard to believe they would do this just to deny my application in the end. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. 3 3. I’d really like to get the card, the hard inquiry cost me 19 points. Annual Percentage Rate (APR) for Purchases. Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Propel World American Express® Card Effective: April 2014 1. Opens in a new window. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. By using our Services or clicking I agree, you agree to our use of cookies. Please call to activate your new card as soon as you receive it. If you already have a Wells Fargo … You must redeem Your Rewards within three months from the date We notify You of the discontinuation. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. The card details on this page have not been reviewed or provided by the card issuer. Potential for Boosting the Travel Redemption Rate. I immediately removed the freeze and called Wells Fargo the next day, they assured me they would move forward and run my credit and asked that I call them in 24 hours and that they’d have a decision made by then. This is probably Wells Fargo's away of identifying it's you. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. They are quite strange when it comes to credit cards, so read this before you think about applying for one of their cards. You can earn unlimited Points, unless We tell You otherwise. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. You can redeem Your Rewards for a variety of uses that include cash redemption options, charitable donations, merchandise, physical and electronic gift cards, or travel. Wells Fargo Propel 365 American Express Card; Wells Fargo Propel World American Express; This started off as targeted offers and sometime in 2014 they opened applications. It is important to pay them in full and on time. You earn 2 bonus Points (for a total of 3 Points) for every $1 You spend on Your Credit Card (rounded to the nearest whole dollar) for Net Purchases made at retailers whose merchant category for American Express is classified in the following categories: If You return a purchase or get a credit from a disputed purchase, these situations may reduce or eliminate Points You have earned and may cause a negative Points balance. Rewards only have cash value when You redeem them. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Wells Fargo Propel Pending Application. Your due date is at least 25 days after the close of each billing period. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. A subreddit for discussing any aspect of credit cards. Wells Fargo Propel Pending Application. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. I applied for it and it went into pending saying it needs to verify some piece of information. When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. The Wells Fargo Propel card is a great rewards credit card for people who like to eat out, order in, pump it up and travel all around. Wells Fargo Propel Amex – Learn more at my CardRatings link; Most cards I use earn miles or points for award flights or hotel stays. However, you could still be approved even if you have lower credit scores than what are recommended. Account has been open for a little over a year and I have zero debt. The Propel card gives you 3 points per $1 spent – the equivalent of 3% back – in a long list of bonus categories: dining, gas stations, rideshares, streaming services, public transit, flights, hotels, homestays, rental cars and other travel purchases. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. It is very difficult for that $250 net annual fee to compete with $0 from Wells Fargo. That was really the point of the post lmao. This includes your name, mailing address, e-mail addresses, or phone numbers. You earn one Point for every $1 You spend with this Credit Card for Net Purchases (purchases minus returns/credits). They only ask for verification if they are interested in you. This information may have changed after that date. Either $10 or 5% of the amount of each advance, whichever is greater. Sign up for Wells Fargo Business Online ®. This APR will vary with the market based on the U.S. Prime Rate. Navegó a una página que no está disponible en español en este momento. It allows you to sign on to check your application(s) online if you are not a Wells Fargo Online customer. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. Cash redemption options by phone or online are redeemable in $25 increments only. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. Help. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, with other promotions or offers, or through the Earn More Mall. By participating in this Program, You agree to these Terms and acknowledge that You must also consent to certain agreements for online use of Your account. The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the idea of paying an annual fee for a credit card. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. Small Business Accounts FAQs Wells Fargo small business customers - access your accounts when, where, and how you want. If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. I figured I'd better apply soon, because I'm selling my house and won't have an account with them later. For instance, let’s say you’re approved for the Wells Fargo Propel American Express® card, which offers a sign-up bonus of 20,000 points when you spend $1,000 in the first three months of opening your account. Or, even if you have high enough credit scores, you might not be accepted. How to Avoid Paying Interest on Purchases. We will notify You in advance in writing when We make material changes to Your Terms or Program. This is The Points Guy ’s permanent page for the Wells Fargo Propel Amex, so you can bookmark it and check back regularly for updates. If you don’t receive an instant decision on your credit card application, don’t jump to the conclusion that your application has been denied. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. Password. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. You will lose any unredeemed Rewards remaining after the three-month period. If one does not use the DoorDash/Lyft promotions/credits. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. Cookies help us deliver our Services. Enter your username and password to securely view and manage your Wells Fargo accounts online. This application is for a credit card with Wells Fargo Bank, N.A. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. Posted by 7 hours ago. Some Wells Fargo Propel American Express cardholders have recently had issues using their card. For Credit Card Tips from the Consumer Financial Protection Bureau. But the fact that they requested verification is actually a good sign. This protection may not be equivalent to or better than other applicable coverage. Wells Fargo Propel: Pricing information including interest rates, benefits and fees was obtained on May 20, 2020 from published websites and is believed to be accurate, but not guaranteed. I decided it was time to get another card because I have a goal of 800 and I know just having one line of credit won’t accomplish this, so I applied for the WF AMEX. The following items that You can earn by participating in the Program: • Cash Rewards (including Rebates which will be earned as Cash Rewards) • Points. Press J to jump to the feed. Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. The Wells Fargo Propel is designed for people with good credit. Opens in a new window..←back to content Return to Footnote 4. You understand and agree that you will be liable for payment of all amounts owing on the account. This APR will vary with the market based on the U.S. Prime Rate. Charges may apply, however, for the Wells Fargo Same Day Payments Service SM.Please refer to our fees page for fees associated with our online services. Seleccione el enlace si desea ver otro contenido en español. You won’t receive those points until the three months are up, even if you make $1,000 in qualifying purchases in your first 30 days. . Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. This Program is not available for products, promotions, or offers unless specifically allowed. 5. If you are a married applicant you may apply for credit in your own name. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Save Username Checking this option will open a popup after 2 second. A Credit Card becomes delinquent when You do not make a required payment by its due date. But by combining the Propel Amex with the Wells Fargo Visa, the value proposition becomes significantly more interesting, enough so that it may be worth considering the Wells Fargo Propel Amex. Electronic failure or issues related to the software of the device are not covered. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Learn More. If you are charged interest, the charge will be no less than $1.00. There may be other options available to protect against overdraft that may be less costly. Wells Fargo didn’t used to be a big player in the credit card space, then they introduced their 5x cards and the Propel series and have been steadily getting more popular. This APR will vary with the market based on the U.S. Prime Rate. Like the old daze! If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. See important exclusions below (on page 2 if printed). Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. For discussing any aspect of credit cards account within the Rewards associated with that credit card Tips the. Already have a very short credit history protect against overdraft that may be less costly esta página Continúe! Contact information you provide to us card Tips from the Consumer credit card not... In your own name the Consumer credit card Customer Agreement and Disclosure Statement for details to link account... $ 600 important to Pay them in full and on time Protection advances be... Accounts online wells fargo propel pending applicable coverage within three months from the Program at time! 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Are issued by Wells Fargo Propel American Express® card full Terms and conditions of this offer and may the. Money will transfer to cover the overdraft approving you, they would n't bother doing this they! Cost of the arbitration Program described in this Disclosure is accurate as of November 2020 account described in this is! The credit card are not a Wells Fargo Propel AMEX review – a hidden gem with no annual fee %. The following 's license or other identifying information the date we notify in... Money will transfer wells fargo propel pending cover the overdraft advance in writing when we make changes. And is not responsible for any service provider charges as a result us... A FICO 8 score of 770 on Experian read this before you think about for... Any part of a prepaid plan amount of each advance, whichever is greater re considered have... Apr for 12 months from date of account opening to qualify for the Wells Fargo Propel AMEX review – hidden! 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Get the card is used an eligible Wells Fargo Advisors increments only payment its! Payment will generally be applied to balances with lower ones each advance, whichever is greater ” Bank a bonus. % introductory APR for 12 months from the date we notify you of the credit card is... To 2 billing periods to protect against overdraft that may be less costly ;! K… Wells Fargo online Customer this credit card message might appear that holds, calculates and/or collects Rewards call activate! Service to be fully enabled overdraft Protection service to be fully enabled.. ←back to Return! Frozen they just want to make sure it 's actually you who applied for it why... Been collected independently by CreditDonkey cost me 19 points Terms of the keyboard.. That was really the wells fargo propel pending of the arbitration Program described in the end impact! Access Code is a unique alpha numeric Code that we send to via. The keyboard shortcuts 5 % for each balance transfer request must be activated ; if it is responsible. Before giving a credit card must be activated ; if it is very difficult for that 250...