Wells Fargo Propel Pending Application. 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. Your due date is at least 25 days after the close of each billing period. They are quite strange when it comes to credit cards, so read this before you think about applying for one of their cards. They wouldn’t ask for an id and address verification just to decline the application would they? I guess my question is, what are my chances of getting approved? See important exclusions below (on page 2 if printed). 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. 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. Account fees (e.g. 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. “application pending” and “under further review” mean the card issuer hasn’t approved or denied your application yet. 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. This APR will vary with the market based on the U.S. Prime Rate. Help. 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. Close. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. 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. These Terms are only a summary. 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. There's no monthly service fee to use Bill Pay. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods. This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. 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. After that, up to 5% for each balance transfer, with a minimum of  $5. This protection may not be equivalent to or better than other applicable coverage. 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. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Username. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. APR for Cash Advances and Overdraft Protection Advances. 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. I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. All rights reserved. Opens in a new window. If You use Your Points to get an airline ticket, each Point is worth 1 cent ($0.01) towards the ticket’s purchase. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. If you are a married applicant you may apply for credit in your own name. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,500.00. It is important to pay them in full and on time. 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 … I’d really like to get the card, the hard inquiry cost me 19 points. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. Please ask questions and contribute to the knowledge surrounding credit cards. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. Annual Percentage Rate (APR) for Balance Transfers. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). 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. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Other restrictions and requirements apply. Existing relationship with WF. Don’t Let a Pending Application Stop You From Earning a Sign-Up Bonus. 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. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. That was really the point of the post lmao. Maybe since you had your credit frozen they just want to make sure it's actually you who applied for the card. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. 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. Learn More about the Wells Fargo Propel American Express® card. I was approved for the Wells Fargo propel with an SL of $2500. “You”, “Your”, or “Customer” means, as applicable, each person who is the owner of an Earning Mechanism and a I've heard of people having to fax paystubs or tax papers to show proof of income. A subreddit for discussing any aspect of credit cards. If one does not use the DoorDash/Lyft promotions/credits. Posted by 7 hours ago. Enter your username and password to securely view and manage your Wells Fargo accounts online. 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. 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. You can earn unlimited Points, unless We tell You otherwise. monthly service, overdraft) may also apply to your account(s) that you make Bill Pay payments from. But the fact that they requested verification is actually a good sign. 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. I applied for it and it went into pending saying it needs to verify some piece of information. 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. 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. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Please call to activate your new card as soon as you receive it. 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. 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. 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. 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). We may also limit the total number of open Wells Fargo credit card accounts you have. Utilization has never gone above 30% and payments are made almost immediately after the card is used. 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. You are responsible for any service provider charges as a result of us contacting you. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. They said I'll get an email with a rejection letter with stated reasons, but I haven't received it yet. Save Username Checking this option will open a popup after 2 second. No … We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A. This is probably Wells Fargo's away of identifying it's you. 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. 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. 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. 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. As long as everything you sent in matches what you submitted in an online application, you’ll get approved. 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. This information may have changed after that date. 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. I keep reading that they’re a very “conservative” bank. Some Wells Fargo Propel American Express cardholders have recently had issues using their card. Navegó a una página que no está disponible en español en este momento. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. If they weren't interested in approving you, they wouldn't bother doing this--they would deny you already. 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. 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. For your security, we do not recommend using this feature on a shared device. We round the amount to the nearest whole dollar. . The Wells Fargo Propel + Visa Signature is an intriguing opportunity for focus who do not want to continue to keep their Chase Sapphire Reserve. It is very difficult for that $250 net annual fee to compete with $0 from Wells Fargo. We're sorry, but some features of our site require JavaScript. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. 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