The Wells Fargo Propel Amex Card is great for those with good credit scores (think low 700s or above), and a bad pick for those who habitually sign up … (32) What To Do If You Find a Mistake on Your Statement. See each section below for details. If you engage in abuse, misuse or gaming in connection with earning or using points or attempt to do so, we may close or restrict your Wells Fargo credit card(s). No Foreign Currency Conversion Fee. Electronic failure or issues related to the software of the device are not covered. 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. Wells Fargo Propel® 카드는 아멕스 카드로 연회비 없이 몇개 항목에 한해 3% 캐쉬백을 해주는 카드이다. Manage your banking online or via your mobile device at wellsfargo.com. 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. Online bill pay is the newest option for most types of accounts and it's free. This protection may not be equivalent to or better than other applicable coverage. We may require you to close your Account or take other actions if you reject the changes. You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked Wells Fargo checking account. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details. (3) Contacting You. By signing, using or activating the credit card issued to you, you certify to us that: Al firmar, utilizar o activar la tarjeta de crédito emitida a su nombre, usted certifica ante nosotros que: (34) 翻譯員認證。如果您選擇以西班牙語、中文、韓語、越南語或菲律賓語與我們討論信用卡帳戶相關事宜,請閱讀以下內容。, 您已經與您的翻譯員討論過《客戶協議》與《披露聲明》,並且有機會與我們討論和協商這些文件中的條款和條件。, 您的翻譯員至少年滿 18 歲,並具有流利的英語能力且深諳您所選與我們討論您的信用卡帳戶條款和條件的語言。, 귀하에게 발급된 신용카드를 사용하거나 활성화함으로써, 귀하는 저희에게 다음 사항을 증명하게 됩니다, 귀하는 귀하의 통역사와 함께 고객 동의서 및 공개 진술서에 관해 논의하였으며 이러한 문서에 포함된 약관을 저희와 논의하고 협상할 기회를 가졌습니다, 귀하의 통역사는 18세 이상이며 영어뿐만 아니라 귀하가 신용카드 계좌 약관에 관해 저희와 논의할 때 사용하시기로 선택하신 언어에 모두 능통합니다. 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. If you are a married applicant you may apply for credit in your own name. We may also ask for your driver's license or other identifying information. Your Account will be in default, and we may require immediate payment of your total Account if: If this is a joint Account, a default by one of you will be a default by all of you.We may prevent further transactions and we may close your Account and other Wells Fargo Accounts. 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. This contract for your credit card account ("Account") includes the Credit Card Agreement ("Agreement"), the Important Terms of Your Credit Card Account and future amendments to this Agreement. 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. Call your cellular provider (or sign on to their website) and request to set up automatic payments. This benefit does not cover cell phones that are lost (i.e. Third Party/Mobile Devices. Wells Fargo Propel benefits and perks | Million Mile Secrets To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Investment products and services are offered through Wells Fargo Advisors. 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. Some events may not be accessible to Cardholders with disabilities. American Express will bill charges converted by establishments (such as airlines) at the rates they use. Important Terms of Your Credit Card Account. (22) Re-Verification of Credit Information. See The Important Terms of Your Credit Card Account for the applicable charge. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. The Ohio Civil Rights Commission administers compliance with this law. Nauunawaan at sinasang-ayunan mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito. 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. 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. If you intend to pay your Account in full with an amount less than the Outstanding Balance, payments must be sent to: Wells Fargo, P.O. All rights reserved. Payments received by 5:00 p.m. at the location your payment is mailed to will be credited as of the date of receipt. Terms apply. Su intérprete tiene por lo menos 18 años de edad y habla con fluidez tanto en inglés como en el idioma que usted haya elegido para conversar con nosotros sobre los términos y condiciones de su Cuenta de tarjeta de crédito. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. (1) Agreement. We may then report you as delinquent if you do not pay the amount we think you owe. If you do not follow these instructions your payment may not be credited for up to five days after we receive it.Checks or other paper documents may be converted to an electronic transaction through procedures established by the National Automated Clearing House Association. We use a method called "average daily balance (including new purchases)". 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. Opens in a new window. See important exclusions below (on page 2 if printed). You agree to pay any fees that apply. The information that we report to consumer reporting agencies may include: The same information may be reported to the consumer reporting agencies for any additional card holders. The Minimum Payment is rounded-up to the next highest whole dollar amount. We may restrict the amount of your credit limit that can be used for Cash Advances. Note: We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile device. My Wells Fargo Deals . This fee may be charged on a Balance Transfer transaction. The daily periodic rates are calculated by dividing each applicable APR by 365. $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. (21) Default / Immediate Repayment of Balance in Full. You should protect the security of the device the same as your credit card or other valuable information. disappear without explanation). Lea la Sección 34 sobre certificación de intérprete antes de activar su tarjeta de crédito. This rate may differ from rates that are in effect on the date of your charge. This application is for a credit card with Wells Fargo Bank, N.A. The APR will continue to vary even if your Account is closed.Standard APRs. They may not be written as payment on any Wells Fargo account. Password. Each billing statement shows a statement closing date which is the last day of the Billing Cycle. If you think there is an error on your statement, write to us at: In your letter, give us the following information: You must notify us of any potential errors in writing at the address above. Basahin ang Seksyon 34 tungkol sa sertipikasyon ng tagapagsaling-wika bago mo i-activate ang iyong credit card. We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the transaction date shown on your statement. We may assign your Account and any or all rights and obligations under the Agreement to a third party. Your credit card may not be used to make a payment on any other Wells Fargo credit account. 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). You have discussed the Customer Agreement and Disclosure Statement with your interpreter and have been given the opportunity to discuss and negotiate with us the terms and conditions contained in these documents. If you have a balance on your account you will receive a billing statement. Also Known as: wellsfargo.com, Wells Fargo Dealer Services, Wells Fargo Visa, Wells Fargo Propel American Express doxo is a secure all-in-one service to organize all your provider accounts in a single app, enabling reliable payment delivery to thousands of billers. Turn purchases into value with Amex-Only deals through My Wells Fargo … To find out what may have changed, call 1-866-568-6521. Wells Fargo Propel American Express® card full terms and conditions. We add the amount of any Overdraft Protection advance to the Cash Advance balance as of the transaction date shown on your statement. 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. Follow these instructions when making a payment: If you mail your payment, please mail to the payment address provided on your billing statement using the envelope and payment coupon enclosed. 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. If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards.  Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. We may also obtain information at any time from the California Department of Motor Vehicles. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. We may monitor and record any of your phone calls with us. Sign up may be required. These changes may apply to existing and future balances. You will promptly notify us if you change any contact information, including your name, mailing address, e-mail addresses, or phone numbers. We may use voice recognition technology to verify your identity when you call. If a SUPERCHECKS check is not included with a Balance Transfer offer it will post as a Cash Advance. Overdraft Protection Advance Fee. If you wish to have an additional Card issued in another person's name, please contact us and we will send you a Card with the name of the authorized person embossed on the front of the Card. Be sure to check the terms and conditions of the account to see if an annual fee applies. We will send you a statement of the amount you owe and the date payment is due. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Click here to sign on to your Wells Fargo account and view or redeem Go Far Rewards. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law.Â. We may monitor and record any calls between you and us. You must notify us immediately if your Card or account information is lost or stolen, or if you believe it's being used without your permission. If you want to end an authorized user's privilege to use your Account, you must: In general, an authorized person is not obligated on this Account and is not liable for any Outstanding Balance or any other charges made by you or by any other authorized person. Availability may be affected by your mobile carrier's coverage area. You understand and agree to the terms and conditions contained in these enclosed documents. Verifying your employment, assets and income records. A foreign currency conversion fee may be charged when this is done. 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. To avoid paying interest on new Purchases you have to pay your entire New Balance by the Due Date on your statement each Billing Period. You may not qualify for the lowest APR disclosed in the range above. This fee may be charged on a Cash Advance from your Account. Each approved claim has a benefit limit of $600. For your security, we do not recommend using this feature on a shared device. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. (16)  Here's how and when specific Transactions, fees and credits are applied: (17) How we Calculate Interest. Learn More. To cover an overdraft on a linked Wells Fargo checking account, we will advance the greater of. A court decree for divorce or separation or an out-of-court mutual agreement does not affect any of our rights to enforce this Agreement. Either $10 or 5% of the amount of each advance, whichever is greater. Any violations of the terms of this Agreement. This may include name, address, social security number, date of birth and citizenship. This benefit does not cover cell phones that are lost (i.e. Wells Fargo Propel American Express® Card CONNECT . Cash Advances, Balance Transfers and cash-like transactions are not Purchases. We're sorry, but some features of our site require JavaScript. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. $25.00 (or the entire balance on the Account if the New Balance is less than $25.00). We may waive or delay enforcing any of our rights without losing them. Welcome to Wells Fargo Financial Cards Online Customer Service! Credit card subject to credit qualification. A device, other than your Card, like SUPERCHECKS™ and mobile devices, that we allow you to use to access credit on your Account. The current list of eligible streaming services and additional details of what services and fees are included/excluded for bonusing are available at: wellsfargo.com/propelstreaming. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. Hãy đọc Phần 34 về xác nhận thông dịch viên trước khi quý vị kích hoạt thẻ tín dụng của mình. Entertainment: American Express Presales offer valid in select cities. (4)  Using Your Account. My Wells Fargo Deals. If we allow the transaction, we may treat that over limit amount as due with the minimum payment on your next statement. View the complete Go Far® Rewards Program Terms and Conditions. doxo is not an affiliate of Wells Fargo. You may also close the Account at any time. Please call to activate your new card as soon as you receive it. 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 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. Usted ha analizado el Contrato del Cliente y Declaración de Divulgación con su intérprete, y que usted y su intérprete han tenido la oportunidad de analizar y negociar con nosotros los términos y condiciones contenidos en estos documentos. Please enable JavaScript on your browser and refresh the page. The no-annual-fee Wells Fargo Propel American Express® card offers solid earning rates, especially in millennial-friendly bonus categories such as streaming services, dining and travel. 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. when you spend $1,000 in purchases in the first 3 months - a $200 cash redemption value. For specific account-related questions or comments, please visit Customer Service. You agree that we have your consent to contact you at any phone number, email address, or mailing address you provide for any Wells Fargo account or at any number that you call us from or at any number that we obtain by other means. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. You must not yet have fully paid for the Purchase. You should always provide each merchant with your new card information because some merchants do not subscribe to such network services. The Account holder(s) who opened the Account. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. You may not qualify for the lowest APRs disclosed above. We will not charge you interest on purchases if you pay your entire balance by the due date each month. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. Enter your username and password to securely view and manage your Wells Fargo accounts online. 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. We can apply any unpaid amount against your credit limit. The time period between billing statements. Overdraft protection advances, interest and fees may cause your Account balance to exceed your credit limit. After that, up to 5% for each balance transfer, with a minimum of  $5. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer. Sign up for Wells Fargo Business Online ®. credit or loan account or any Wells Fargo affiliated company credit or loan account. This fee may be charged when an overdraft amount is advanced to the checking account linked to your Credit Card Account by you. Save Username Checking this … With more credit cards moving in the premium direction, there’s even more value today in a good card that has no annual fee. Simply use your eligible Wells Fargo Propel® World 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). Payment Instructions. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. Additional fees may be charged if agreed between you and us. If the U.S. Prime Rate is no longer published or is not available, we may select a similar index. Password. Dining: eating places and restaurants, drinking places, or fast food restaurants (caterers, bakeries, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). We will also tell you if we have already corrected the error. You promise to use your Account only to the limits. (19) Billing Statements. Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). If you do this and we find you not responsible, you will not be held liable for the unauthorized use of your Account. When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases, Cash Advances, and Balance Transfers, plus all interest, fees and other amounts that you may owe us. Advance Access: Buy concert, theater, and special event tickets before they go on sale to the public, Retail Protection. 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 may limit or close your Account, but the terms of this Agreement will apply until you pay the Account in full. A summary of your Account's APRs, fees and other important information. This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. (30)  Governing Law. The total amount you owe as of a statement closing date. The rates that apply to your account are listed in the Important Terms of Your Credit Card Account.Daily Periodic Rates. 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 increments only. You must have used your credit card for the Purchase. If we do not follow all of the rules above, you do not have to pay the amount you question even if your bill is correct. Double the original manufacturer's warranty of one year or less on eligible products purchased entirely with your card, Account Services: Set up alerts and manage your card use online. We may close your Account at any time and for any reason. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. During the specified sales period, tickets are available exclusively to all American Express Cardholders (including Prepaid and International Cards). If you exceed the limits, you will still remain liable for all credit you receive. How we will calculate your balance: We use a method called "average daily balance (including new purchases)." We begin by calculating the daily balance of each Transaction category. NMLSR ID 399801, + Fees and interest accrued on the previous day's Transaction category balance, - Payments, credits and adjustments that posted that day, ADB = sum of daily balances ÷ number of days in the Billing Cycle, Interest Charge = daily periodic rate x ADB x number of days in Billing Cycle. Redemption amounts and offers subject to change without notice. Usted entiende y está de acuerdo con los términos y condiciones contenidos en estos documentos adjuntos. If your account has an annual fee it will be charged each year your account is open. At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. Terms apply. Examples include using your card for Cash Advances through an ATM, bank teller or Wells Fargo Online, Overdraft Protection advances, Balance Transfers, or cash-like purchases such as money orders, wire transfers, traveler checks, foreign currency, lottery tickets, casino chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. Please refer to your offer specific disclosures for more details. (8) Credit Limit. Beginning of popup Notice. All sales final. Sign On to learn more. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. Member FDIC. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card Account do not qualify. This would be described in the Important Terms of Your Credit Card Account. Each approved claim has a benefit limit of $600. This offer is no longer available on our site. You or an authorized user may be permitted to load your credit card to an app on a smart phone, tablet or other electronic device, such as, through a mobile wallet, which could be used for purchases or other transactions without presenting the card. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,500.00.Â. Ending Authorized User Privileges. We add Cash Advance Fees to the Cash Advance balance as of the transaction date shown on your statement. Your due date is at least 25 days after the close of each billing period. Balance Transfer Fee. You may not assign your Account or any of your obligations under the Agreement. Read the Wells Fargo Propel American Express Card Account Agreement. Gas: gas stations and automated fuel dispensers (gas purchases at warehouse and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers). We may change this Agreement at any time. You agree to give us certain personal information about each authorized user. You agree to allow us to disclose to any other person on your checking account, that this Card is linked to your checking account for overdraft protection. You and any joint Account holder accept the terms of this Agreement by using or activating your Account. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. In a Nutshell: The Wells Fargo Propel card is one of the best no-annual-fee travel cards on the market, thanks to its 3x point bonus. You agree to assist us in our investigation of the matter. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. 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. 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. 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. 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. All fees will be added to the Purchases balance, except Cash Advance fees and Overdraft Protection fees which will be added to the Cash Advance balance on your Account. We will begin charging interest on cash advances and balance transfers on the transaction date. The APR and fees that apply to overdraft protection advances are listed in the Important Terms of Your Credit Card Account. 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. Federal law and the laws of South Dakota govern this Agreement and your account.
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