There are two ways that you can apply for a Wells Fargo instant credit card online. Both require that you have an existing account with Wells Fargo or some kind of relationship with Wells Fargo through another bank. Apply, with a credit number Type in your credit number followed by the full credit card number, including the zero. Type in your social security number followed by the last four digits of it. The application will then ask for your driver's license or ID number and possibly your previous address.
You need to answer a few simple questions before you do this. First, tell them you are applying for an unauthorized closeout or stop using fee credit card account. Now just about all banks will want you to stop using your account before they will issue you a credit card. Second, tell them you are applying for an authorization to transfer funds. This is an easy way to get approved and most likely you will get approved because you are a new customer.
If you already have a Wells Fargo loan or account open, you can still apply for an authorization to transfer funds to a credit card account without stopping using it. Tell them you already have a Wells Fargo loan or account open, and you would like to transfer the balance of that account to your new Wells Fargo account. They will let you know how much money is available on your current account and where that money is currently located. If they don't, or if you can't find that information, just tell them you would like to transfer the balance of your account.
You might be wondering why you would even bother going through all of this hassle. Well, it's really very simple. Most people who have poor credit report scores don't even realize that they have any problems until their financial situation hits rock bottom and they are unable to make payments on their credit cards anymore. When you use online banking, your financial options are much better because you can go right to the source. Most banks will still report your progress to the major credit reporting agencies as long as you maintain your balance in your Wells Fargo credit cards.
Your credit score will improve immediately once you stop charging to your Wells Fargo credit cards. Also, keep in mind that when you transfer your balances from one account to another, it will take some time for your credit score to actually decrease. There could be a temporary decline in your credit score right after you transfer your balances, but this is short-lived and once your accounts settle, your credit score will go back up. This means that transferring your balances is a good way to start improving your credit score right away. If you want to take things a step further, consider paying off the balance of your existing Wells Fargo credit card accounts, which will help you begin to eliminate any balances that are past due or that have low balances.
Closing multiple accounts is a huge mistake that many people make because it lowers their credit score, which can take up to six months to restore. It is very important to only close accounts that you absolutely need to have paid off. If you need to continue using your Wells Fargo credit card online, try to limit the number of credit cards you have because just opening up another account can cause your credit score to drop lower. Closing accounts also costs you money, so if you're not planning to close them within a month of transferring your balance to a Wells Fargo credit card, then it's probably not worth the effort. However, if you're planning to close them to reduce your credit utilization and possibly eliminate debt, then it is strongly recommended that you close them as soon as possible.
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