After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Anyone else have a similar experience? You do not earn Points on some transactions. 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. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. 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. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. You can earn unlimited Points, unless We tell You otherwise. 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 applied for the Wells Fargo Propel American Express and got an email saying the application is pending. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. 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. Cash redemption options by phone or online are redeemable in $25 increments only. Opens in a new window..←back to content Return to Footnote 4. 0.00% introductory APR for 12 months from date of account opening. Navegó a una página que no está disponible en español en este momento. ATM transactions, cash advances of any k… Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. 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. 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. Wells Fargo Propel Amex – Learn more at my CardRatings link; Most cards I use earn miles or points for award flights or hotel stays. Please ask questions and contribute to the knowledge surrounding credit cards. That was really the point of the post lmao. 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. Credit cards are issued by Wells Fargo Bank, N.A., a bank affiliate of Wells Fargo & Company. Maybe since you had your credit frozen they just want to make sure it's actually you who applied for the card. Points do not expire while this Credit Card account is open. 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. Help. Annual Percentage Rate (APR) for Balance Transfers. Like the old daze! 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. There may be other options available to protect against overdraft that may be less costly. 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. If they weren't interested in approving you, they wouldn't bother doing this--they would deny you already. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. 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. 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. American Express is a federally registered service mark of American Express. $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. 23.99% to 25.99%, based on your creditworthiness. 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. An eligible Wells Fargo Credit Card that participates in the Go Far® Rewards Program. This protection may not be equivalent to or better than other applicable coverage. It’s hard to believe they would do this just to deny my application in the end. If one does not use the DoorDash/Lyft promotions/credits. 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 … Please call to activate your new card as soon as you receive it. I’d really like to get the card, the hard inquiry cost me 19 points. The following items that You can earn by participating in the Program:       •  Cash Rewards (including Rebates which will be earned as Cash Rewards)       •  Points. No … Password. An Access Code is a unique alpha numeric code that we send to you by email when you save or submit your application. We may also ask for your driver's license or other identifying information. What ‘application pending’ and ‘under further review’ mean. Utilization has never gone above 30% and payments are made almost immediately after the card is used. 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. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. The card details on this page have not been reviewed or provided by the card issuer. I applied for it and it went into pending saying it needs to verify some piece of information. A subreddit for discussing any aspect of credit cards. “application pending” and “under further review” mean the card issuer hasn’t approved or denied your application yet. They said I'll get an email with a rejection letter with stated reasons, but I haven't received it yet. Wells Fargo Propel Pending Application. I guess my question is, what are my chances of getting approved? Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods. when you spend $1,000 in purchases in the first 3 months - a $200 cash redemption value. By using our Services or clicking I agree, you agree to our use of cookies. 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 was approved for the Wells Fargo propel with an SL of $2500. 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 information for the Wells Fargo Propel card has been collected independently by The Points Guy. 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. disappear without explanation). You may not qualify for the lowest APRs disclosed above. This information may have changed after that date. I've heard of people having to fax paystubs or tax papers to show proof of income. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Your due date is at least 25 days after the close of each billing period. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). See important exclusions below (on page 2 if printed). 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. Called CSR this morning (Mon, 30-Jul), no questions asked—approved, 7.5k. We round the amount to the nearest whole dollar. Potential for Boosting the Travel Redemption Rate. 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. Beginning of popup Notice. You agree to promptly notify us if you change any contact information you provide to us. "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. The Wells Fargo Propel + Visa Signature is an intriguing opportunity for focus who do not want to continue to keep their Chase Sapphire Reserve. Other restrictions and requirements apply. Maybe because I have a very short credit history and no relationship with Wells Fargo? If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. They wouldn’t ask for an id and address verification just to decline the application would they? Save Username Checking this option will open a popup after 2 second. 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. The full. 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. With more coupled millennials traveling together (38%) … Contact the Bank. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). 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. 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. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. 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. An account within the Rewards Program that holds, calculates and/or collects Rewards. Help. 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. We may also limit the total number of open Wells Fargo credit card accounts you have. Go Far Rewards points earned with the … However, you could still be approved even if you have lower credit scores than what are recommended. Cardholders earn 1 point per dollar on other purchases. 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. If it’s your first time seeing this, have no fear. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. Or, even if you have high enough credit scores, you might not be accepted. This is probably Wells Fargo's away of identifying it's you. 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. So I called them today and they said the application was rejected because I didn't not have enough credit history. Please enable JavaScript on your browser and refresh the page. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. 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 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. I called in today verified my last 4 SSN, name and address and I was told I was approved. 3 3. 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 understand and agree that you will be liable for payment of all amounts owing on the account. APR for Cash Advances and Overdraft Protection Advances. 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. Investment products and services are offered through Wells Fargo Advisors. You hereby stipulate to the terms of the arbitration program described in the Agreement. Account has been open for a little over a year and I have zero debt. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. 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. If you have no relationship with WF, then I would have said your odds aren't good. 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. Opens in a new window. It’s kinda killing me to know. This includes your name, mailing address, e-mail addresses, or phone numbers. As long as everything you sent in matches what you submitted in an online application, you’ll get approved. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,500.00. Annual Percentage Rate (APR) for Purchases. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM. 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. 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. 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. 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. 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 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. The Wells Fargo Propel ® Card was created so that consumers could earn points on the spending they are already doing. The Ohio Civil Rights Commission administers compliance with this law. Small Business Accounts FAQs Wells Fargo small business customers - access your accounts when, where, and how you want. We will not charge you interest on purchases if you are not available for redemption, transfer or.. Program described in this Disclosure is accurate as of November 2020 application in the Agreement this Program is delinquent..., e-mail addresses, or phone numbers seleccione el enlace si desea ver otro contenido en español % payments... Just to deny my application in the Agreement changes may prevent you from earning and/or Rewards. 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