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Please try again later. Financial Apps. 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. Any such Transactions are covered by this Agreement.
We have no control over the device and cannot guarantee the performance of the device. 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.
You are responsible for payment of the entire amount owed to us, including any Purchases, Balance Transfers or Cash Advances and all related interest and fees made by the authorized person. Ending Authorized User Privileges. 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.
In the event of the death of all fully liable cardholders, authorized users' privilege ends automatically. After that, if any person uses the Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any other charges they authorize.
You agree to notify each authorized person that they are subject to all applicable sections of this Agreement. Information about Authorized Users. You agree to give us certain personal information about each authorized user.
You must have permission from each authorized user allowing you to give us that personal information. This may include name, address, social security number, date of birth and citizenship. 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.
You may contact us by phone at or in writing at Wells Fargo Bank, N. Box , Des Moines, IA You agree to assist us in our investigation of the matter. 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.
We may limit or close your Account, but the terms of this Agreement will apply until you pay the Account in full. Cash Advance Limit. We may restrict the amount of your revolving line of credit that can be used for Cash Advances. Your total revolving line of credit will be provided with your Credit Card and shows on each of your billing statements.
You promise to use your Account only to the limits. If you exceed your total revolving line of credit, we may allow the transaction without increasing your total revolving line of credit or deny the transaction.
If we allow the transaction, we may treat that over limit amount as due with the minimum payment on your next statement. If you exceed the limits, you will still remain liable for all credit you receive. We can adjust your revolving line of credit at any time, including automatic credit line increases for those who qualify. We don't guarantee approval of transactions. We reserve the right to deny transactions for any reason, such as account default, suspected fraudulent or unlawful activity, internet gambling, or any indication of increased risk related to the transaction.
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. 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 revolving line of credit.
We also may limit the number of authorizations we allow during a period of time. Transactions at some merchants such as hotels, car rental companies, restaurants, and gas stations may result in temporary authorizations for amounts greater than the actual Purchase amount.
This will make less credit available on your Account for several days, usually until the date the actual Purchase amount is received from the merchant. If you give your credit card information to a merchant to bill your account for recurring payments, or to keep it on file for future purchases or payments, and your card number, expiration date, or security code changes, you should notify the merchant with your new card information.
Some card networks provide update services and receive updated card information from Wells Fargo. Merchants that participate in such services will receive updated card information from the network for credit cards that you have provided to the merchant for recurring or future purchases or payments.
We cannot tell you which merchant will receive updated card information when your card information changes. You should always provide each merchant with your new card information because some merchants do not subscribe to such network services. We may change this Agreement at any time. These changes may apply to existing and future balances. We will give you advance written notice of the changes and a right to reject the changes if required by law. We may require you to close your Account or take other actions if you reject the changes.
The following fees may apply to your account. You agree to pay any fees that apply. Additional fees may be charged if agreed between you and us. 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. If you make a transaction in a currency other than U. The exchange rate between the transaction currency and the billing currency used for processing international transactions is either a a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or b the government-mandated rate in effect for the applicable central processing date.
The currency conversion rate for the processing date may differ from the rate in effect on the date of the transaction or the date the transaction is posted to your Account. Point of Sale Conversion. Some merchants outside the United States offer cardholders the option of having Card transactions converted to U.
If the latter option is chosen, the currency conversion rate is determined solely by the merchant involved in the transaction, and no foreign currency conversion fee is charged by the bank for the transaction. The following sections describe how we calculate the interest you owe each Billing Period. Introductory Rates. Your account may be eligible for introductory rates. If you are offered a promotional rate after your account is opened, the terms will be provided at that time.
After any introductory or promotional rates expire, the remaining balances will be subject to the applicable Standard or Standard Variable APR terms.
If your account has a variable rate the APR will vary based on the U. Prime Rate plus the applicable "Margin". For each Billing Period, we use the U. Prime Rate or the average of the U. 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. If the U. Prime Rate is no longer published or is not available, we may select a similar index. A change in the APR may increase or decrease the total amount of interest you pay and your Minimum Payment due.
If the APR changes due to a change in the U. The APR will continue to vary even if your Account is closed. Standard APRs. Prime Rate. Daily Periodic Rates. The daily periodic rates are calculated by dividing each applicable APR by Your account may have a Minimum Interest Charge. For most transactions, interest will be charged beginning on the date a transaction is made on your account.
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. We begin by calculating the daily balance of each Transaction category.
Finally, we calculate the interest. See each section below for details. 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 cannot avoid interest on Cash Advances or Balance Transfers. Your due date will be at least 25 days from the statement closing date and will be provided on your billing statement.
If you have a balance on your account you will receive a billing statement. You may pay all or part of your Account balance at any time, but you must pay the Minimum Payment, disclosed on your billing statement, by the Payment Due Date. Minimum Payment. Your Minimum Payment Due includes any amount past due plus the greater of:. We require you to pay any amount over the limit of your credit card account. However, that amount is not included in your Minimum Payment Due.
The Minimum Payment is rounded-up to the next highest whole dollar amount. Credits will not be used to meet the Minimum Payment. If you mail your payment, please mail to the payment address provided on your billing statement using the envelope and payment coupon enclosed. Payments received by p. If received after p. Payments made through Wells Fargo Online Banking at wellsfargo. If you do not follow these instructions your payment may not be credited for up to five days after we receive it.
How this rate is calculated depends on the U. Prime Rate, which, according to Bankrate , is the interest rate at which banks will lend money to their most-favored consumers. A balance transfer allows you to move credit card debt from one card to another.
With Wells Fargo, cards that allow for balance transfers include:. A quick way but inadvisable given how costly it can be to get cash using your credit card at an ATM. Only works for credit cards with ATM fees. A returned check fee is charged when the check you send for a credit card payment is invalid and then returned to you.
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