The Wells Fargo Unsecured Credit Card is accepted at locations across the country by consumers who don't own a home or do not qualify for a conventional line of credit. It is a great choice for people who want to be able to buy things on their own terms, but do not have the money tied up in a house or automobile. This type of card allows you to spend as much or as little as you want, so long as you pay the balance before the end of your billing cycle. To qualify for an Unsecured Credit Card, you will need to have a job that pays you cash and has been active for at least ninety days.
Bottom Line: For the customer, it is really all about the interest rate. You must compare each card offer on the Wells Fargo website to determine which one has the best interest rate. If you are shopping for a credit card simply to build your credit score, there is no compelling reason to go with a high interest rate card that charges top rates and includes annual fees and penalties. Remember, the lowest interest rate is not always the best interest rate. For the consumer, this means choosing a card that has a low interest rate, and one that will not add any additional fee and report to a credit bureau.
Fees and penalties: If you are applying for an Unsecured Credit Card online, make sure you read the fine print carefully. Some fees may include a foreign transaction fee, service charge, and a credit limit increase once you have met your spending limit. If you have a low credit score, you will likely not qualify for an unsecured credit card. As mentioned, the key to building your credit score is paying off your balance on time each month.
Rewards programs: A Wells Fargo Unsecured Credit Card allows you to earn cash back or can earn points toward receiving free airline tickets, hotel stays, and other forms of travel rewards. You will receive incentives for using your card on a variety of purchases, including gas, groceries, home improvement, department store items, airline tickets, and more. When you pay your balance in full each month, you will earn additional reward points. There are also many different types of incentives available through a Wells Fargo Unsecured Credit Card. These incentives can include frequent flyer miles, gift certificates, cash back, car rental discounts, and more.
Annual fees: A Wells Fargo Unsecured Credit Card is also offered with an introductory APR offer. An introductory APR offer can help you pay down your balance quicker. During the first six months, you can enjoy a zero percent APR. After the introductory APR expires, you will enjoy a standard APR. However, you should be aware that most credit card reviews do not give credit cards a grade based solely on APR. If you have a low credit score, you may want to look at whether or not the interest rate is better than average before deciding if the incentives and other perks that come with your Wells Fargo Unsecured Credit Card are worth their cost.
Fees: One of the best things about owning a Wells Fargo Unsecured Credit Card is the fact that you don't have to pay an annual fee. The company is well aware that it takes time and patience to build your business, and they understand that you will have to pay your bill on time. However, some consumers can't help but wonder why they have to pay an annual fee, especially when they consider the benefits of a zero percent APR or a monthly rebate. Keep in mind that all companies have different policies regarding fees, and that this is something that you will need to research thoroughly in order to determine what the best option is for your financial situation.
Business Secured Credit Card – Wells Fargo Small Business – wells fargo unsecured credit card | wells fargo unsecured credit card
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