Wells Fargo Financial National Bank Cardholders

Frequently Asked Questions

Find answers to questions about your credit card account, billing statements, payments, managing your account online, and contacting us.

My credit card account

Why did I receive a credit card?

The credit card from Wells Fargo Financial National Bank is associated with the account you applied for when you recently financed a purchase. Use this card as a convenient way to make future purchases at participating businesses on the credit card program.

For your protection, sign the back of your credit card and keep it in a secure location. If you haven't received your card within 7 – 10 days of being approved for credit, call 1-877-805-7744, Monday – Friday, 8:00 am to 6:00 pm Central Time.

If you didn't apply for a credit card account with Wells Fargo Financial National Bank, please contact us at 1-877-805-7744.

Is this a one-time loan?

No, this is a credit card account with a revolving line of credit financed through Wells Fargo Financial National Bank, and monthly payments are required as long as you have an account balance. Since your account is a revolving line of credit, you can use your available credit over and over at participating businesses.

What is the difference between this card and a general-purpose credit card?

This credit card, issued through Wells Fargo Financial National Bank, is a revolving line of credit for financing purchases at participating businesses that may offer special financing options. A general purpose credit card can be used for multiple types of purchases anywhere that card is accepted, but it generally doesn't offer special financing options. Please see your statement and materials that came with your credit card if you'd like more information.

Where can I use this card?

You can use your card again where you opened your account. For certain credit card programs, you may be able to find other businesses where you can use your card to finance additional products and services. Please see your statement and materials that came with your credit card for more details.

Are there additional benefits of this card that I should be aware of?

Yes! When you sign on to your account with Wells Fargo Online®, you'll get access1 to:

  • your FICO® Credit Score and Wells Fargo credit rating
  • factors that contributed to your score and personalized Wells Fargo credit tips
  • your FICO® Score history and more

Learn more

When do my promotional terms end?

It depends on the type of financing promotion you have, but the date your special terms end is shown on your statement. Remember, reduced rate and 0% APR promotions apply to your financed purchase until the balance is paid in full. If you financed with a No Interest if Paid in Full promotion, interest accrues on the purchase balance at the regular APR for Purchases from the date of purchase on any outstanding balance. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. But, you won't pay any interest charges as long as you pay the purchase balance in full within the promotional period.

What does Regular Terms mean, and when does it apply?

Regular terms means the Annual Percentage Rate (APR) for Purchases stated in your cardholder terms and conditions and will apply toward:

  • Certain remaining balances not paid within the required promotional period
  • Fees
  • Purchases made without special financing terms

How do I request a credit limit increase?

Please call Customer Service at 1-877-805-7744 to request a higher credit limit.

Why is my account closed?

Please call Customer Service at 1-877-805-7744.

Why did I get a call about my account?

We call cardholders to verify that their financed product or service has been received, to make sure customers are satisfied with their purchase, and to confirm that their account has been charged correctly. Please call us back at 1-800-378-6755, Monday – Friday, 8:00 am to 6:00 pm Central Time to follow up with us.

If we don't have your correct mailing address, we may also call you or leave a message. Please return our call at 1-800-378-6755, Monday – Friday, 8:00 am to 6:00 pm Central Time.

What should I do if I suspect fraudulent charges on my credit card account?

We're here to help. Please call us at 1-877-805-7744, Monday - Friday, 8:00 am to 6:00 pm Central Time, and a Customer Service representative will review your credit card account with you.

Who do I contact if my card has been lost or stolen?

As a Wells Fargo customer, we're here to help you. Call our Customer Service department at 1-877-805-7744 so we can review your credit card account with you and guide you through the next steps.

Who do I contact if I didn't apply for this credit card?

Please call Customer Service at 1-877-805-7744 if you received a credit card in the mail but you haven't applied for a credit card account.

How do I find my available credit, account balance, or credit limit?

There are a few different ways you can find this information:

  • Look on your monthly statement.
  • Access your account through Wells Fargo Online.
  • Call us at 1-877-805-7744, Monday – Friday, 8:00 am to 6:00 pm Central Time and follow the telephone prompts.

My monthly billing statement

When will I receive my first billing statement?

Within 45 days after making the first charge to your credit card account. If you'd rather receive Online Statements going forward, choose this option at Wells Fargo Online. If you're already set up for an online account, check there to see if a statement has generated. If you don't have an online account, set up one now.

If you don't receive your statement in the mail within 45 days, please call us at 1-877-805-7744, Monday - Friday, 8:00 am to 6:00 pm Central Time.

Why didn't I receive my billing statement?

You may not have received a billing statement if:

  • You signed up for Online Only Statement delivery
  • You made your first purchase less than 45 days ago
  • Your first purchase has not posted yet
  • You have a zero balance
  • We don't have your correct mailing address

If you think we have an incorrect address, you may update it on Wells Fargo Online or call us at 1-877-805-7744, Monday - Friday, 8:00 am to 6:00 pm Central Time. If you don't receive your statement in the mail within 45 days of your first purchase, please call us at 1-877-805-7744. Keep in mind, you won't receive a billing statement until a charge is posted to your account.

Can I stop receiving paper statements in the mail?

Absolutely. You can choose Online Statements through Wells Fargo Online. We'll even send you email notifications when your statements are available.

How can I get my statements online?

It's easy. Sign on to Wells Fargo Online or sign up if you haven't already. Then, choose Online Statements for your account from the Manage Delivery Preferences page.

What if I have questions reading my statement?

View this guide to help you understand each part of your statement.

Why am I getting my bill from Wells Fargo?

Since your credit card account is issued through Wells Fargo Financial National Bank, your bills will come from Wells Fargo.

How can I receive my statement in Spanish or Braille?

Please call Customer Service at 1-877-805-7744 to request your statement in Spanish or Braille. Large print, audio statements, and other alternative options are also available.

Making my payment

What payment options are available?

How do I make payments online?

If you already have an Wells Fargo Online profile with Wells Fargo, your credit card account will be automatically added to your profile. You don't need to set one up for your retail credit card account. If you don't have a Wells Fargo Online profile, you can add it once you have signed on.

Sign up for Wells Fargo Online to make one-time online payments that will post the same day they're scheduled or to set up automatic payments. Take the tour to learn more.

How do I set up automatic payments?

You can set up automatic payments through Wells Fargo Online. Or, you may call Customer Service at 1-877-805-7744 to request the enrollment form. It can take 30 - 60 days to process your automatic payment enrollment form. Continue making the minimum payment until your statement reflects that the automatic payment has been set up within the Important Information section on your statement.

How long should I allow for my payment to reach you?

We suggest allowing at least:

  • Wells Fargo Online payments
    • 3 - 5 business days using non-Wells Fargo bank accounts
    • 1 business day for Wells Fargo Online payments paid using Wells Fargo bank accounts
  • By mail: 7 - 10 business days
  • By phone: Same day (for payments by Midnight, Pacific Time)

You can choose to use a bill payment service other than Wells Fargo Online to make payments with us. Please refer to that service provider for the accuracy and timeliness of your online bill payments. For the other payment methods, please refer to the service provider for details.

What happens if my payment is late?

Please make sure we receive your payment on or before the due date on your statement. Otherwise, late fees and/or interest may be applied to your account.

To avoid late fees, remember:

  • Make your minimum payment every billing cycle on or before the due date.
  • Some electronic payment services still issue paper checks mailed through the U.S. postal service.
  • Make sure there are enough funds in your bank account to cover the payment amount.
  • Allow enough time for payments to reach us by the due date shown on your statement.
  • You can make one-time payments or schedule automatic payments through Wells Fargo Online.
  • You must pay at least the minimum payment due each billing cycle on or before the minimum payment due date.

Can I change my payment due date?

Yes, you may be able to change the date your minimum payment is due at Wells Fargo Online or by calling Customer Service at 1-877-805-7744. Some limitations apply.

Please note: You may change your payment due date once every 12 months, but the 3, 6, 10, 15, 19, 24, 26, 29, 30, and 31 of any month aren't available to select. It can take up to two billing cycles to process the due date change. You still need to pay your minimum payment by the due date reflected on your statement until the change is processed.

Can I pay ahead on my account?

If you want to pay more than the minimum payment, you can do that any time, but you must make at least the minimum payment every billing cycle. For example, if your minimum payment amount is $40 and you pay $80 by the due date in January, that amount won't cover both January and February minimum payments. You must still make the $40 minimum payment by the February due date.

How is my payment applied?

Your payment applies first to the minimum payment due (including past due amounts) for that billing cycle. Anything over the minimum payment due generally applies first to the balance with the highest APR, then to balances with special terms that expire the soonest. If you'd like to know how payments apply to your specific account, call us at 1-877-805-7744, Monday - Friday, 8:00 am to 6:00 pm Central Time.

Can I pay off my credit card account early without a pre-payment penalty?

Yes, you may pay your outstanding balance in full at any time without penalty.

Can I pay my bill with another credit/debit card?

No, we don't accept payments using credit or debit cards. Refer to the payment options that are available.

Can I make a payment from more than one bank account?

Yes. When you schedule payments through Wells Fargo Online, you may add additional bank accounts that are in your name. You may also call Customer Service at 1-877-805-7744.

Managing my account online

What is Wells Fargo Online?

It's Wells Fargo's online banking system where you can securely access and manage all of your Wells Fargo accounts, pay your bills, view your statements, and much more. Take the tour of Wells Fargo Online.

How do I sign up for Wells Fargo Online?

If you already have a Wells Fargo Online profile, your credit card account will be automatically added to your profile. Or, you can add it once you have signed on.

Sign up for Wells Fargo Online to view and manage your personal and business accounts securely online, anywhere or anytime you have internet access. You'll need your Social Security Number, Wells Fargo Financial National Bank credit card account number, and email address. After answering a few questions during the sign-up process, you'll have an opportunity to create a username and password.

Once you have created a username and password, you can sign on to Wells Fargo Online from your computer, mobile device, or tablet to access all of your eligible Wells Fargo accounts. In some cases, we may need to contact you by phone to complete the sign-up process. Once successfully signed up, you will receive confirmation by email or U.S. Mail.

Can I use the same account that is set up for other Wells Fargo products?

Yes, if you already have a Wells Fargo Online profile, your credit card account will be added automatically.

What can I do through Wells Fargo Online?

Access and manage your Wells Fargo accounts, make online payments, and much more. With an online transfer, you can make a one-time, same-day payment, or schedule a future payment to your credit card account. Payments made before Midnight, Pacific Time, are credited to your account on the same day.

Or, set up automatic payments. Your payment is automatically deducted from your deposit account. Choose to pay the minimum payment amount, your balance in full, or a specified dollar amount. Payments will be made automatically on your payment due date, starting after you receive notification of your automatic payments on your statement. If you are a Wells Fargo Checking or Savings account customer, please note that we may limit certain types of withdrawals and transfers that can be made from your savings account.2

You may also access your FICO® Credit Score, Wells Fargo credit rating, and more1.

Take the tour to see all of the features and tools available.

How can I manage my automatic payments?

With automatic payments, your payment is automatically deducted from your deposit account. Choose to pay the minimum payment amount, your balance in full, or a specified dollar amount. If you are a Wells Fargo Checking or Savings account customer, please note that we may limit certain types of withdrawals and transfers that can be made from your savings account.2

Set up automatic payments through Wells Fargo Online. Or, you may call Customer Service at 1-877-805-7744 to request the enrollment form. It can take 30 - 60 days to process your automatic payment enrollment form. Continue making the minimum payment until your statement reflects that the automatic payment has been set up within the Important Information section on your statement.

You may cancel your automatic payments through Wells Fargo Online or by calling Customer Service at 1-877-805-7744. To modify your automatic payments, please call Customer Service at 1-877-805-7744. It can take 30 - 60 days to process your new automatic payment enrollment form. Your current automatic payment will stay in effect until your statement reflects that the new automatic payment has been set up within the Important Information section on your statement.

When will my automatic payment be debited from my bank account?

Your automatic payment will be reflected on your account on your due date.

What if I forgot my username or password?

We can remind you of your username, and you can create a new password online.

If you're still having trouble signing on, please call Customer Service at 1-877-805-7744

How can I check my payment due date, balance, available credit, and other important account information?

Sign on to Wells Fargo Online to see your account details. Or, open your most recent account statement. You can find all of your important information there, too. If you're not sure where to look for specific information, this guide can help you understand each part of your statement.

How do I update my personal information?

Sign on to Wells Fargo Online to update your email address, phone numbers, or address.

Contacting us

Who should I contact if I have additional questions about my account?

There's a lot of information about your account on our site. But, if you have account questions you can't find answers to, please call our Customer Service department at 1-877-805-7744 so we can help you.

If you manage your account through Wells Fargo Online, you may send a secure email about your account.

Who should I contact if I need technical assistance?

If you need help with your online account, you can call Online Customer Service at 1-800-869-3557, 24 hours a day, 7 days a week.

1. You must be an account holder of an eligible Wells Fargo product with a FICO® Score available and enrolled in Wells Fargo Online banking. Eligible products include: deposit, investment, retirement, loan and credit products. Business and commercial accounts are not eligible.

Important: There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan, or an automatic upgrade on a credit card.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries

2. Regulation D and Wells Fargo limit certain types of withdrawals and transfers that can be made from your savings account to a combined total of six (6) per monthly fee period. If the limit is exceeded, an excess activity fee for each withdrawal or transfer will be assessed. Please refer to your Consumer Account Agreement and Consumer Account Fee & Information Schedule for details.