I was approved for the Wells Fargo propel with an SL of $2500. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. 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 may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. 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. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. I guess my question is, what are my chances of getting approved? If you have a joint Account, a notice to one of you will serve as a notice to both of you. However, you could still be approved even if you have lower credit scores than what are recommended. 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. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. 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. 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. Cookies help us deliver our Services. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. 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. We round the amount to the nearest whole dollar. Password. monthly service, overdraft) may also apply to your account(s) that you make Bill Pay payments from. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting. Utilization has never gone above 30% and payments are made almost immediately after the card is used. You do not earn Points on some transactions. If you have no relationship with WF, then I would have said your odds aren't good. 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. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Press question mark to learn the rest of the keyboard shortcuts. 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. 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. Opens in a new window..←back to content Return to Footnote 4. I applied for it and it went into pending saying it needs to verify some piece of information. This APR will vary with the market based on the U.S. Prime Rate. $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. 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. If it’s your first time seeing this, have no fear. Help. 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. 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. The following items that You can earn by participating in the Program:       •  Cash Rewards (including Rebates which will be earned as Cash Rewards)       •  Points. Press J to jump to the feed. Maybe since you had your credit frozen they just want to make sure it's actually you who applied for the card. Help. Rewards only have cash value when You redeem them. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. It is important to pay them in full and on time. Or, even if you have high enough credit scores, you might not be accepted. 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 … When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes. It’s hard to believe they would do this just to deny my application in the end. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. To find out what may have changed, call 1-866-568-6521. Good thought. You earn one Point for every $1 You spend with this Credit Card for Net Purchases (purchases minus returns/credits). 23.99% to 25.99%, based on your creditworthiness. It allows you to sign on to check your application(s) online if you are not a Wells Fargo Online customer. You may not qualify for the lowest APRs disclosed above. Learn More about the Wells Fargo Propel American Express® card. . This includes your name, mailing address, e-mail addresses, or phone numbers. 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. "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. With more coupled millennials traveling together (38%) … I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. But the fact that they requested verification is actually a good sign. 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. It is very difficult for that $250 net annual fee to compete with $0 from Wells Fargo. Save Username Checking this option will open a popup after 2 second. 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. Wells Fargo Propel American Express® card full terms and conditions. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). 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. Wells Fargo Propel Amex review – A hidden gem with no annual fee. Sign up for Wells Fargo Business Online ®. Beginning of popup Notice. Don’t Let a Pending Application Stop You From Earning a Sign-Up Bonus. You will lose any unredeemed Rewards remaining after the three-month period. You agree to promptly notify us if you change any contact information you provide to us. 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). “You”, “Your”, or “Customer” means, as applicable, each person who is the owner of an Earning Mechanism and a 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. 5. 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. 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. Status: pending - need to verify a few pieces of information before giving a credit decision. 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. See important exclusions below (on page 2 if printed). 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. 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. Agreement and Disclosure Statement for details on this page have not been or. Lose Rewards material changes to your Wells Fargo 's away of identifying it 's you letter stated! 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