Earn 3x points for each $1 you spend at U.S. Gas Stations, 2x at U.S. APR for Cash Advances and Overdraft Protection Advances. at the issuer'ssecure website. Consumer Credit Card Customer Agreement & Disclosure Statement. 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. Balance Transfer Fee. Discounts and Amenities on Hotel. Please enable JavaScript on your browser and refresh the page. This may include: (23) California Residents. After we finish our investigation, we will tell you our decision. We may decline any transaction at any time. Ang iyong tagasaling-wika ay wala pang 18 taong gulang at lubos na marunong sa Ingles at sa wika na napili mo para talakayin sa amin ng mga tuntunin at kundisyon ng iyong credit card Account. If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. Earn 3x points on: Eating out and ordering in. 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. We add Balance Transfer fees to the Purchase balance as of the transaction date shown on your statement. The Wells Fargo Propel American Express® card is one of a very select few credit cards that offers cellphone theft and damage protection as a benefit. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. You may not qualify for the lowest APRs disclosed above. If the APR changes due to a change in the U.S. Prime Rate, the new APR will apply to both existing and future balances on the first day of your Billing Cycle. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. The Wells Fargo Propel is designed for people with good credit. The credit limit will be determined based on the deposit you make, at a 1:1 ratio, with a minimum deposit requirement of $300. Rush Plastic Fee. You fail to pay a Minimum Payment by the Payment Due Date; You don't honor the terms of this Agreement; You made an untrue statement on your application; OR. We may assign your Account and any or all rights and obligations under the Agreement to a third party. We round the amount to the nearest whole dollar. You will promptly notify us if you change any contact information, including your name, mailing address, e-mail addresses, or phone numbers. If you have a balance on your account you will receive a billing statement. We charge interest on a fee beginning on the first day of the Billing Cycle following the Billing Cycle in which the fee posted to your Account. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.). We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the transaction date shown on your statement. 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. (20) Payments. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. With no limit … The annual fee will not be billed after your Account is closed. You are responsible for any service provider charges as a result of us contacting you. A device, other than your Card, like SUPERCHECKS™ and mobile devices, that we allow you to use to access credit on your Account. If you have a joint Account, a notice to one of you will serve as a notice to both of you. If you are a married applicant you may apply for credit in your own name. You can earn unlimited Points, unless We tell You otherwise. You may dispute the accuracy of the information that we report to consumer reporting agencies by writing to us at Wells Fargo Credit Bureau Dispute Resolution, P.O. 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. You should always provide each merchant with your new card information because some merchants do not subscribe to such network services. For Credit Card Tips from the Consumer Financial Protection Bureau. Federal law and the laws of South Dakota govern this Agreement and your account. 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. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. We may also ask for your driver's license or other identifying information. Find out all about the Wells Fargo Propel American Express® Card - we'll provide you with the latest information and tell you everything you need to know to find your perfect card. Your account may be eligible for introductory rates. After that, up to 5% for each balance transfer, with a minimum of $5. To use this right, all of the following must be true: If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: While we investigate, the same rules apply to the disputed amount as discussed above. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. The daily periodic rates are calculated by dividing each applicable APR by 365. 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. Maximizing rewards with the Wells Fargo Propel American Express Card is fairly straightforward. If we close the account, notice may be provided to only one Account Holder. My Wells Fargo Deals. the amount of available credit on your Card is less than the amount of the overdraft or less than $25.00, we will then advance the amount of available credit. See The Important Terms of Your Credit Card Account for the applicable charge. Abuse, misuse or gaming includes, but is not limited to, making multiple purchases and multiple payments during a billing cycle whereby the dollar amount for each purchase in the aggregate substantially exceeds your credit limit. No annual fee, a $200 signup bonus and 3x points on several categories make the Wells Fargo Propel American Express® Card a solid cash back credit card option. Learn more about this card, read our expert reviews, and apply online at CreditCards.com. In general, you’ll need at least good credit to qualify, which typically means a credit score of around 680 or higher. If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. We may then report you as delinquent if you do not pay the amount we think you owe. We require you to pay any amount over the limit of your credit card account. It offers solid rewards, a 0% intro period, and cell phone protection when you pay your bill with your card. " Receive a discount on the best available rate and access to over 40,000 global hotel brands and independent properties. "You," "Your," or "Customer" means each person who owns a Wells Fargo rewards-based Credit Card and participates in its. (28) Information Reporting. We may also limit the total number of open Wells Fargo credit card accounts you have. (15) When we Charge Interest. Late Fee. 2. (9) Authorizations. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21). This APR will vary with the market based on the U.S. Prime Rate. Rewards only have cash value when You redeem them. If you do this and we find you not responsible, you will not be held liable for the unauthorized use of your Account. For each Billing Period, we use the U.S. Prime Rate or the average of the U.S. Prime Rates (if there is more than one) published in the "Money Rates" column of The Wall Street Journal three business days prior to your billing statement closing date. Box 10311, Des Moines, IA 50306-0311. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. You will earn additional rewards points through a Relationship Bonus if you maintain a qualifying consumer Wells Fargo … (13) Rates. (7) Promise to Pay. If that happens, you must still repay the balance owed according to the terms of this Agreement. We will also tell you if we have already corrected the error. 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. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. 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. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. For Credit Card Tips from the Consumer Financial Protection Bureau. (25) Separation of Unlawful Provisions. Propel American Express ® registered trademark card learn more about the Wells Fargo Propel American Express® card. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. (4) Using Your Account. 23.99% to 25.99%, based on your creditworthiness. We may assign the following limits to your Account: Cash Advance Limit. (29) Assignment. 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. by. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. A rate, shown as a percentage, used to calculate interest on the balance on your Account. Wells Fargo Propel American Express Card benefits and perks. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Wells Fargo Propel American Express® Card 2021 Review, Application & Rates " The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. For most transactions, interest will be charged beginning on the date a transaction is made on your account. If you exceed your total credit limit, we may allow the transaction without increasing your total credit limit or deny the transaction. Unless a particular exchange rate is required by applicable law the rate American Express uses is no more than the highest official rate published by a government agency or the highest interbank rate American Express identifies from customary banking sources on the conversion date or the prior business day. We are not responsible for anyone who refuses to accept your Card or any other Credit Access Device. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Wells Fargo Propel American Express® Card. This includes your name, mailing address, e-mail addresses, or phone numbers. Please read this Agreement carefully and keep it for your records. We can review any information you provided on your credit application at any time. (24) Cancellation. Navegó a una página que no está disponible en español en este momento. You promise to use your Account only to the limits. What Credit Scores Do You Need for the Wells Fargo Propel American Express Card? We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS check or advance at our discretion. Call Wells Fargo customer service at 1-800-642-4720. We will begin charging interest on cash advances and balance transfers on the transaction date. Any payment in excess of the Minimum Payment due is applied based on the balances reflected on your last billing statement. Payment must be made with a personal check, money order or cashier's check and must be issued by a bank in the United States. Simply use your eligible Wells Fargo Propel® American Express Card to pay your monthly cell telephone bill and get up to $600 of cell phone damage and thief protection (subject to a $25 deductible). You get 3x points in many popular categories, making it a great, well-rounded card. You are responsible for any service provider charges you may incur as a result of us contacting you by any means, whether such charges are related to text, data, equipment or other plans. The sum of all unpaid amounts, including Purchases, Cash Advances, Balance Transfers, interest, fees and any other amounts that you may owe us. We think that … The time period between billing statements. We reserve the right to deny transactions or authorizations from merchants who may be engaging in the internet gambling business. Please note that if we accept such payments we have every right to pursue full payment. If you’re traveling abroad, consider bringing a Visa or Mastercard credit card as a backup in case you can’t use this one. We add the amount of any Overdraft Protection advance to the Cash Advance balance as of the transaction date shown on your statement. We may also obtain information at any time from the California Department of Motor Vehicles. We will give you advance written notice of the changes and a right to reject the changes if required by law. Bằng việc ký, sử dụng hoặc kích hoạt thẻ tín dụng đã cấp cho quý vị, quý vị chứng nhận với chúng tôi rằng: Quý vị đã thảo luận với thông dịch viên của mình về Thỏa Thuận Khách Hàng và Tuyên Bố Tiết Lộ Thông Tin và đã có cơ hội trao đổi và thương lượng với chúng tôi về các điều khoản và điều kiện nêu trong những tài liệu này. credit or loan account or any Wells Fargo affiliated company credit or loan account. The Wells Fargo Propel American Express® card offers a number of ways to accumulate points beyond traditional travel categories. Prime Rate + 20.74% to Prime Rate + 22.74%, based on your creditworthiness. "Wells Fargo," "We," "Us," or "Our" mean Wells Fargo Bank, N.A. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance. Terms apply. 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. You can redeem Your Rewards for a variety of uses that include cash redemption options, charitable donations, merchandise, physical and electronic gift cards, or travel. You should protect the security of the device the same as your credit card or other valuable information. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). Payments made through Wells Fargo Online Banking at wellsfargo.com will be credited based on the cutoff time disclosed at the time of the transaction. 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. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting. Wells Fargo Propel American Express® Credit Card is one of the most famous credit card products of the Wells Fargo. You cannot use any SUPERCHECKS checks to make any payment on this Account.Generally, we will apply your Minimum Payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. IMPORTANT DISCLOSURES. You agree to promptly notify us if you change any contact information you provide to us. disappear without explanation). The date and dollar amount of the suspected error. What Will Happen After We Receive Your Letter. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. $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. If you do not, you will continue to be liable for any charges made, even if you've advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you. At sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito best Cash back cards... Balances reflected on your statement offers a number of ways to accumulate points beyond traditional travel categories it not... 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