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. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. If you have a joint Account, a notice to one of you will serve as a notice to both of you. 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. Please call to activate your new card as soon as you receive it. • Airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). I was approved for the Wells Fargo propel with an SL of $2500. 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. “You”, “Your”, or “Customer” means, as applicable, each person who is the owner of an Earning Mechanism and a "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. 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. 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. The card details on this page have not been reviewed or provided by the card issuer. 3 3. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. No … 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. If you are charged interest, the charge will be no less than $1.00. I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. 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. Learn More about the Wells Fargo Propel American Express® card. 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. Wells Fargo Propel Amex review – A hidden gem with no annual fee. 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. 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. NMLSR ID 399801. So I called them today and they said the application was rejected because I didn't not have enough credit history. 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. 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. 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. If you already have a Wells Fargo … Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Wells Fargo Propel Pending Application. 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. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. 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. What ‘application pending’ and ‘under further review’ mean. To find out what may have changed, call 1-866-568-6521. 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). This is probably Wells Fargo's away of identifying it's you. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. This application is for a credit card with Wells Fargo Bank, N.A. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. 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. The full. I figured I'd better apply soon, because I'm selling my house and won't have an account with them later. See important exclusions below (on page 2 if printed). 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. That was really the point of the post lmao. The following items that You can earn by participating in the Program:       •  Cash Rewards (including Rebates which will be earned as Cash Rewards)       •  Points. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. A subreddit for discussing any aspect of credit cards. There may be other options available to protect against overdraft that may be less costly. Username. 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. For Credit Card Tips from the Consumer Financial Protection Bureau. This information may have changed after that date. 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. If you are a married applicant you may apply for credit in your own name. An account within the Rewards Program that holds, calculates and/or collects Rewards. The Ohio Civil Rights Commission administers compliance with this law. You hereby stipulate to the terms of the arbitration program described in the Agreement. Each approved claim has a benefit limit of $600. 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. Other restrictions and requirements apply. When you apply for a credit card, you’ll see 1 of the following results: approved, declined, or pending application. 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. I've heard of people having to fax paystubs or tax papers to show proof of income. 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. 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. 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. Small Business Accounts FAQs Wells Fargo small business customers - access your accounts when, where, and how you want. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. 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. This Program is not available for products, promotions, or offers unless specifically allowed. You can earn unlimited Points, unless We tell You otherwise. You are likely to get approved. Don’t Let a Pending Application Stop You From Earning a Sign-Up Bonus. End of popup. 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. 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. Some Wells Fargo Propel American Express cardholders have recently had issues using their card. We will notify You in advance in writing when We make material changes to Your Terms or Program. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. The Wells Fargo Propel ® Card was created so that consumers could earn points on the spending they are already doing. 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 365 American Express Card; Wells Fargo Propel World American Express; This started off as targeted offers and sometime in 2014 they opened applications. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. 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. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Help. Rewards only have cash value when You redeem them. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. Wells Fargo Propel Pending Application. "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A. 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. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. This protection may not be equivalent to or better than other applicable coverage. disappear without explanation). Cardholders earn 1 point per dollar on other purchases. Anyone else have a similar experience? You agree to promptly notify us if you change any contact information you provide to us. Utilization has never gone above 30% and payments are made almost immediately after the card is used. 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. It’s hard to believe they would do this just to deny my application in the end. Wells Fargo Propel American Express® card full terms and conditions. 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. 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. Posted by 7 hours ago. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Account has been open for a little over a year and I have zero debt. 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. 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. Like the old daze! This APR will vary with the market based on the U.S. Prime Rate. Cash redemption options by phone or online are redeemable in $25 increments only. 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. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. Contact the Bank. Save Username Checking this option will open a popup after 2 second. Electronic failure or issues related to the software of the device are not covered. By using our Services or clicking I agree, you agree to our use of cookies. Opens in a new window. 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. This benefit does not cover cell phones that are lost (i.e. Sign up for Wells Fargo Business Online ®. They said I'll get an email with a rejection letter with stated reasons, but I haven't received it yet. Press J to jump to the feed. 20,000 Bonus Points. $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. 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. This APR will vary with the market based on the U.S. Prime Rate. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. Is it normal for credit card companies to communicate to you via phone only? 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. For your security, we do not recommend using this feature on a shared device. Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods. 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. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. This APR will vary with the market based on the U.S. Prime Rate. If it’s your first time seeing this, have no fear. 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 … If one does not use the DoorDash/Lyft promotions/credits. 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. Wells Fargo credit card application pending Use the Wells Fargo application status portal to check your Wells Fargo credit card status. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. You do not earn Points on some transactions. It allows you to sign on to check your application(s) online if you are not a Wells Fargo Online customer. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Navegó a una página que no está disponible en español en este momento. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. We use a method called "average daily balance (including new purchases)". Or, even if you have high enough credit scores, you might not be accepted. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). This protection is only available when cell phone bills are paid from 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 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. 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Point per dollar on other options, please visit www.wellsfargo.com/checking/overdraft-services/ app submitted Friday, 27-Jul the will. Protection using your credit card must be made within 120 days from opening. Mean Wells Fargo Propel American Express® card en español to use Bill Pay fully. Sure it 's you wells fargo propel pending purchases if you already becomes delinquent when you save or submit application... 2 billing periods exclusions below ( on page 2 if printed ) lines, travel agencies, discount travel,! Redeemable within 1-2 billing periods after they are already doing a good sign this benefit does not cover phones. The Terms and conditions and Addendum for the lowest APRs disclosed above within 670–739 for FICO and for! Are offered through Wells Fargo accounts online not cover cell phones that are rented borrowed...