Or, even if you have high enough credit scores, you might not be accepted. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. End of popup. We may also ask for your driver's license or other identifying information. How to Avoid Paying Interest on Purchases. You are responsible for any service provider charges as a result of us contacting 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. If you already have a Wells Fargo … Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. 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. I’ll explain what to do about it and why this message might appear! I figured I'd better apply soon, because I'm selling my house and won't have an account with them later. As long as everything you sent in matches what you submitted in an online application, you’ll get approved. 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. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. Called CSR this morning (Mon, 30-Jul), no questions asked—approved, 7.5k. You understand and agree that you will be liable for payment of all amounts owing on the account. 5. Password. 0.00% introductory APR for 12 months from date of account opening. Wells Fargo Propel Pending Application. 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. 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. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. You will lose any unredeemed Rewards remaining after the three-month period. 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. We can change the Terms and change, suspend, or terminate any part of the Program at any time and for any reason. They wouldn’t ask for an id and address verification just to decline the application would they? 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. Help. Cookies help us deliver our Services. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. We will suspend or disqualify You from the Program if You violate these Terms or Your Credit Card terms and conditions, engage in fraud or suspected fraud or someone associated with Your account does so, misuse or gaming the Program or if You take another similar action, according to Us in Our sole discretion. 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). I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. Please enable JavaScript on your browser and refresh the page. Close. This includes your name, mailing address, e-mail addresses, or phone numbers. "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. 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. This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. Some Wells Fargo Propel American Express cardholders have recently had issues using their card. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. No … You do not earn Points on some transactions. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. This protection may not be equivalent to or better than other applicable coverage. 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. The full. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. Electronic failure or issues related to the software of the device are not covered. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Existing relationship with WF. 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. There's no monthly service fee to use Bill Pay. Annual Percentage Rate (APR) for Balance Transfers. I guess my question is, what are my chances of getting approved? 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. 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. We use a method called "average daily balance (including new purchases)". If it’s your first time seeing this, have no fear. monthly service, overdraft) may also apply to your account(s) that you make Bill Pay payments from. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. I applied for it and it went into pending saying it needs to verify some piece of information. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. 20,000 Bonus Points. See important exclusions below (on page 2 if printed). For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. APR for Cash Advances and Overdraft Protection Advances. The Program Terms and Conditions and Addendum(s) represent the Program’s complete terms (collectively "Terms"), including any additional terms and conditions that We reference within these Terms and any promotional terms and conditions for earning bonus Rewards. Account has been open for a little over a year and I have zero debt. You may not qualify for the lowest APRs disclosed above. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. 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. Sign up for Wells Fargo Business Online ®. 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. Posted by 7 hours ago. Help. It is important to pay them in full and on time. This benefit does not cover cell phones that are lost (i.e. The Wells Fargo Propel is designed for people with good credit. 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. Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. By using our Services or clicking I agree, you agree to our use of cookies. Each approved claim has a benefit limit of $600. 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. 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. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. This is probably Wells Fargo's away of identifying it's you. Wells Fargo Propel AMEX app submitted Friday, 27-Jul. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. Contact the Bank. We round the amount to the nearest whole dollar. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. I called in today verified my last 4 SSN, name and address and I was told I was approved. 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. We're sorry, but some features of our site require JavaScript. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Wells Fargo Propel Amex – Learn more at my CardRatings link; Most cards I use earn miles or points for award flights or hotel stays. 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. This APR will vary with the market based on the U.S. Prime Rate. I applied for the Wells Fargo Propel American Express and got an email saying the application is pending. Anyone else have a similar experience? But when I slip below 5/24 in July, I can get a card just because it has a decent sign-up bonus. 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. They are quite strange when it comes to credit cards, so read this before you think about applying for one of their cards. 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. 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