Wells Fargo Visa signature card gives a decent interest rate and can save on a monthly balance transfer or even a new purchase due to its introductory term of 15-days. However, this offer has long been removed from the website. So if you want to apply for it, you might be in for a surprise.
To qualify for this offer, you should have a Wells Fargo checking account with a minimum deposit of one hundred and sixty dollars. You need to have a current Wells Fargo debit card, so you should already have one in your Wells Fargo checking account. If you are a member of a Wells Fargo group, such as an IRA or pension, you may also be eligible to apply. In addition, you must be employed for at least two months before the start date of the program. If you already have a Wells Fargo checking account, you may apply online.
Before you apply for any offer, make sure you know the interest rates. It is not always a good idea to take advantage of low interest rates, especially with credit cards. Even if a particular offer seems like an excellent deal, don't forget to read all the fine print first. There may be some hidden fees and charges that you won't be aware of until you get the bill.
When filling out your internet application, ensure that you provide your full legal name, date of birth, social security number, street address and e-mail address. You should also include your current phone number, bank account information and current address. Once you submit your application online, you will get a response in about a week.
If approved, you will receive a confirmation e-mail that includes a link to your card. Make sure you print this out because you won't be able to use it until the expiration date specified on the confirmation e-mail. The Wells Fargo Visa signature card comes with an additional credit line of three thousand dollars, but it can be used in any transaction after the initial five hundred dollar limit.
With this credit line, you can make purchases on your credit card without spending more than three percent of the total amount of the purchase. Once you use your card for the first time, you are automatically enrolled in a special reward program, called Cash Back Rewards Credit. This allows you to earn a certain percentage on any purchases you make with your account. If you are approved, you will earn rewards every time you use the card, no matter what the sale. You also receive cash back if the transaction is a cash, store credit, airline credit or even if you use your card at a participating grocery store.
As with most credit lines, you have to be careful of increasing your credit line too far. If you apply for a credit card with a credit line that is higher than you can afford, you run the risk of losing your home or having your vehicle repossessed. However, if you pay your bill on time, you will enjoy an added line of protection against identity theft.
Wells Fargo offers many benefits of a secured credit card, including an added credit line, lower interest rates and a reduced annual percentage rate. If you are looking for a credit card that gives rewards and better interest rates, check out the Wells Fargo Visa signature card today.
The Wells Fargo Visa Signature card has many added benefits. These benefits include: Rewards points for every dollar you charge, a reduced interest rate, free airline miles, cash back rewards, one percent cash back rebates and other unique perks like cashless check and instant approval when you use your card for a major purchase. Some of the benefits include: The lowest balance transfer fee in the industry, no annual fee and no monthly minimum payment, no restrictions on transfers between accounts, free gift cards and the convenience of your card at any participating retail store. There are also other perks such as a low introductory period to allow you to build a good credit history, and an easy application process.
In order to maximize the benefits of your credit card, make sure you pay your bills on time. Don't open multiple checking and savings accounts and make multiple deposits each month. Make sure you follow all of the terms and conditions on your card. If you are late with a payment or have more than one credit card, you will not be given the option of paying late fees or penalties. It is also important to monitor your credit score and report so that your credit history remains clean and up to date.
Wells Fargo has one of the best customer service departments in the country. If you are having problems with your account, you should contact them as soon as possible to get answers to your questions. Their customer service team can help you avoid having to deal with a credit repair company.