I guess my question is, what are my chances of getting approved? Press question mark to learn the rest of the keyboard shortcuts. Rewards only have cash value when You redeem them. Account has been open for a little over a year and I have zero debt. 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. 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. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. Examples of transactions which do not earn Points: Cash Advances and Equivalents of Any Kind, ATM transactions, cash advances, traveler’s checks, money orders, pre-paid gift cards, SUPERCHECKSTM, wire transfers, Disputes, Illegal Actions, and Violations, Disputed or illegal purchases, purchases that violate the terms of Your Credit Card account agreement or the Go Far® Rewards Program Terms and Conditions or Addendum, Fees or interest posted to Your Credit Card account such as returned payment fees, late fees, monthly or annual fees, © 1999 - 2021 Wells Fargo. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. We may also ask for your driver's license or other identifying information. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. The Wells Fargo Propel is designed for people with good credit. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of. Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. 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. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. 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 Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. When I was asked to submit verification I was surprised that the only way to do it was to either go to a branch (which isn’t an option for me) or fax it in (which most people my age don’t even know of). 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. You hereby stipulate to the terms of the arbitration program described in the Agreement. Is it normal for credit card companies to communicate to you via phone only? Help. If you have no relationship with WF, then I would have said your odds aren't good. After that, up to 5% for each balance transfer, with a minimum of  $5. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. The full. Account fees (e.g. I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. Navegó a una página que no está disponible en español en este momento. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. 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. This APR will vary with the market based on the U.S. Prime Rate. The Wells Fargo Propel ® Card was created so that consumers could earn points on the spending they are already doing. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. NMLSR ID 399801. The Ohio Civil Rights Commission administers compliance with this law. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. Wells Fargo credit card application pending Use the Wells Fargo application status portal to check your Wells Fargo credit card status. 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. “application pending” and “under further review” mean the card issuer hasn’t approved or denied your application yet. There's no monthly service fee to use Bill Pay. However, you could still be approved even if you have lower credit scores than what are recommended. 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. The Wells Fargo Propel card is a much-needed breath of fresh air and simplicity in the increasingly complex world of loyalty programs and credit cards. Investment products and services are offered through Wells Fargo Advisors. Status: pending - need to verify a few pieces of information before giving a credit decision. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. Other restrictions and requirements apply. We will not charge you interest on purchases if you pay your entire balance by the due date each month. 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. 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 … We may also limit the total number of open Wells Fargo credit card accounts you have. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. 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. 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’ll explain what to do about it and why this message might appear! Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. Help. 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. We're sorry, but some features of our site require JavaScript. You are likely to get approved. An Access Code is a unique alpha numeric code that we send to you by email when you save or submit your application. A subreddit for discussing any aspect of credit cards. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature. 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. 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. Wells Fargo Propel Pending Application. APR for Cash Advances and Overdraft Protection Advances. This protection may not be equivalent to or better than other applicable coverage. Good thought. Or, even if you have high enough credit scores, you might not be accepted. www.wellsfargo.com/credit-cards/features/overdraft-protection, www.wellsfargo.com/checking/overdraft-services/, Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. Small Business Accounts FAQs Wells Fargo small business customers - access your accounts when, where, and how you want. How to Avoid Paying Interest on Purchases. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. More posts from the CreditCards community. Press J to jump to the feed. I applied for it and it went into pending saying it needs to verify some piece of information. disappear without explanation). "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. Utilization has never gone above 30% and payments are made almost immediately after the card is used. They only ask for verification if they are interested in you. I called in today verified my last 4 SSN, name and address and I was told I was approved. Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. We will notify You in advance in writing when We make material changes to Your Terms or Program. 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. So I called them today and they said the application was rejected because I didn't not have enough credit history. $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. 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. We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. 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. By using our Services or clicking I agree, you agree to our use of cookies. 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. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. 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. 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 give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. 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. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. If You use Your Points to get an airline ticket, each Point is worth 1 cent ($0.01) towards the ticket’s purchase. You agree to promptly notify us if you change any contact information you provide to us. when you spend $1,000 in purchases in the first 3 months - a $200 cash redemption value. ATM transactions, cash advances of any k… This application is for a credit card with Wells Fargo Bank, N.A. Either $10 or 5% of the amount of each advance, whichever is greater. A Credit Card becomes delinquent when You do not make a required payment by its due date. To find out what may have changed, call 1-866-568-6521. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. 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. Reader Nicholas reported being unable to use his card at both a Sheetz and Macy’s, it’s unclear what exactly caused the issue but it seems like Wells Fargo/American Express have identified the issue and it has been resolved. 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