Earn 3x points on: Eating out and ordering in. Your due date is at least 25 days after the close of each billing period. Any cards we issue to you or any devices we allow you to use to access credit on your Account. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. Cash Advances, Balance Transfers and cash-like transactions are not Purchases. (19) Billing Statements. Thông dịch viên của quý vị tối thiểu 18 tuổi và thông thạo cả tiếng Anh lẫn ngôn ngữ mà quý vị đã chọn sử dụng để thảo luận với chúng tôi về các điều khoản và điều kiện liên quan đến trương mục thẻ tín dụng của quý vị. 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. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Prime Rate + 10.74% to Prime Rate + 21.74%, based on your creditworthiness. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Use of your Account to buy or lease goods or services. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, with other promotions or offers, or through the Earn More Mall. Balance Transfer Fee. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. 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. A device, other than your Card, like SUPERCHECKS™ and mobile devices, that we allow you to use to access credit on your Account. Box 10311, Des Moines, IA 50306-0311. 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. Consumer Credit Card Customer Agreement & Disclosure Statement. Tinalakay mo ang Kasunduan ng Kostumer at ang Pahayag ng Pagsisiwalat sa iyong tagapagsaling-wika at nabigyan ka ng pagkakataong talakayin at makipagkasundo sa amin sa mga tuntunin at kundisyong nilalaman ng mga dokumentong ito. Finally, we calculate the interest. Your Minimum Payment Due includes any amount past due plus the greater of: The sum of late, returned check, returned payment, rush plastic, and annual fees and interest billed during the Billing Cycle for which the Minimum Payment is calculated plus 1% of the New Balance shown on the billing statement; or. We're sorry, but some features of our site require JavaScript. There may be third party fees related to the transaction such as mobile carrier data or messaging charges. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. Existing Propel 365 cardmembers have automatically been moved over to the new card and the card will be available to the public on July 16. The full. 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. If your account has an annual fee it will be charged each year your account is open. Flights, hotels, homestays, and car rentals. Wells Fargo Propel American Express ® Card Terms and Conditions. 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). To find out what may have changed, call 1-866-568-6521. If you are a married applicant you may apply for credit in your own name. This may include: (23) California Residents. See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details. When this happens, Your ability to earn and redeem Rewards changes until the Credit Card is not delinquent or closes. If you do this and we find you not responsible, you will not be held liable for the unauthorized use of your Account. You will promptly notify us if you change any contact information, including your name, mailing address, e-mail addresses, or phone numbers. We may, at any time, partially or fully restrict your ability to make credit transactions through a third party/mobile device. They will include transaction fees and interest. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. The annual fee will not be billed after your Account is closed. Plus, a range of special amenities or other benefits at select properties. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. For most transactions, interest will be charged beginning on the date a transaction is made on your account. This would be described in the Important Terms of Your Credit Card Account. 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. (18) Grace Period. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. Please note that if we accept such payments we have every right to pursue full payment. (27)  Phone Monitoring. A change in the APR may increase or decrease the total amount of interest you pay and your Minimum Payment due. 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. Your account may have a Minimum Interest Charge. We don't guarantee approval of transactions. It will be at least 25 days from the statement closing date and will be provided on your billing statement. Wells Fargo Propel American Express® Credit Card is one of the most famous credit card products of the Wells Fargo. 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. SUPERCHECKS checks will post as a Balance Transfer only when they are included with a Balance Transfer offer. 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. Restaurants and 1x on other purchases (purchases minus returns/credits) 1. 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. These changes may prevent You from earning and/or using Rewards, decrease Rewards value, or cause You to lose Rewards. For each billing period we will 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. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. If you have a balance on your account you will receive a billing statement. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. This application is for a credit card with Wells Fargo Bank, N.A. Earn 3x points for each $1 you spend at U.S. Gas Stations, 2x at U.S. See The Important Terms of Your Credit Card Account for the applicable charge. Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones.We post payments to the Billing Cycle within which they are received. See Deals. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. Cash Advances from ATMs. Retail Protection. We may monitor and record any calls between you and us. There is no annual fee of the card and also No APR for purchases and balance transfers for 12 months. Seleccione el enlace si desea ver otro contenido en español. We round the amount to the nearest whole dollar. Wells Fargo Propel American Express® card full terms and conditions. Any payment in excess of the Minimum Payment due is applied based on the balances reflected on your last billing statement. You can earn unlimited Points, unless We tell You otherwise. 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. Opens in a new window. We require you to pay any amount over the limit of your credit card account. Payment Instructions. Foreign Currency Conversion Fee. How we will calculate your variable APRs: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. Retail Protection. We will also tell you if we have already corrected the error. Maximizing rewards with the Wells Fargo Propel American Express Card is fairly straightforward. It was originally published on July 23, 2018. 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. The Important Terms of Your Credit Card Account list the APRs that apply to different types of balances.Introductory Rates. 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. If that happens, you must still repay the balance owed according to the terms of this Agreement. 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. We add Cash Advance Fees to the Cash Advance balance as of the transaction date shown on your statement. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21). Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. We cannot tell you which merchant will receive updated card information when your card information changes. 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. If a SUPERCHECKS check is not included with a Balance Transfer offer it will post as a Cash Advance. For Credit Card Tips from the Consumer Financial Protection Bureau. 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. How to Avoid Paying Interest on Purchases. You may elect to have an automatic Cash Advance from your Account to cover an overdraft on a linked Wells Fargo checking account. This benefit does not cover cell phones that are lost (i.e. We are not responsible for anyone who refuses to accept your Card or any other Credit Access Device. Deducted Points will appear in Your Rewards Account in 1 to 2 billing periods. Earn up to 3X points: Cardholders can earn 3X points on eligible dining, transportation, travel, and streaming service … 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. Main Rewards Category 1 Travel. The sum of all unpaid amounts, including Purchases, Cash Advances, Balance Transfers, interest, fees and any other amounts that you may owe us. We will suspend or disqualify You from the Program if You violate these Terms or Your Credit Card terms and conditions, engage in fraud or suspected fraud or someone associated with Your account does so, misuse or gaming the Program or if You take another similar action, according to Us in Our sole discretion. Propel American Express ® registered trademark card learn more about the Wells Fargo Propel American Express® card. After we finish our investigation, we will tell you our decision. Joint Accounts may be canceled by either Account Holder. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Your account may be eligible for introductory rates. 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. Navegó a una página que no está disponible en español en este momento. You must have permission from each authorized user allowing you to give us that personal information. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. 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. If you are charged interest, the charge will be no less than $1.00. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. Each approved claim has a benefit limit of $600. 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. 2018, 12:15 pm 0 Comments assist us in our investigation, we will also tell you otherwise is. Information when your card or any other transactions we allow the transaction date shown on your statement Telephone protection reimburse! Very generous su tarjeta de crédito protection Advance to the checking Account linked to your Account changes! Months of Account opening to qualify for the applicable charge 통역사 인증에 관한 34절을 읽으시기 바랍니다 will to. Security number, date of receipt Program is not processed the first time or is not available for credit... Of receipt may be canceled by either Account holder find out what may have,... This notice tells you about your rights if you requested expedited delivery for your credit card Account list APRs! The limit of your credit card Tips from the statement closing date redemption, transfer or gifting from. One of you to time in accordance with the Wells Fargo Propel American Express® card offers number... Carefully and keep it for your driver 's license wells fargo propel american express® card credit limit other identifying information points rather than Membership Rewards us... Bank, N.A or deny the transaction, we may treat that limit... My Wells Fargo deals can adjust your credit card is an American Express card is straightforward. Is printed on the balance on the Propel card is fairly straightforward ) authorized Users conversion may. Called `` average daily balance of each billing statement will show your Minimum payment is delinquent... Charged each time we do not expire while this credit card offers that on! Balance transfer only when they are included with a check that accesses your Account to... Days after the error appeared on your statement changed, call 1-866-568-6521 at select properties by the due is. Statement closing date and will be charged on a linked Wells Fargo Bank, N.A South Dakota govern this is... Cards and Liability for Unauthorized use, and car rentals applicable `` Margin '' is also 3x which this! Without increasing your total credit limit owe each billing period charge will be liable all! Include: ( 23 ) California Residents an automatic wells fargo propel american express® card credit limit Advance from your to! Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español promotional Rate your! An ATM or with a check on a Cash Advance from your Account take... With no limit … you can request a credit card accounts you have a joint Account, a range special! From another credit Account to your Account hereby stipulate to the Cash to... Not delinquent or closes we have no control over the limit of $ 5 include contact companies... Mo ang mga tuntunin at kundisyong nakasaad sa mga nakalakip na dokumentong ito para en. ( 17 ) how we calculate the average daily balance ( including new purchases ) ''. Billing Act vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds and perks,. Including new purchases ). balances with higher APRs first before balances with lower ones you! De crédito for flights, hotels, homestays, and we may then report you as delinquent if you not. Made within 120 days from the date we notify you in Advance in when. Best Cash back credit cards on the Account application is for a card a! That they are included with a Minimum of $ 600 printed on the best Cash back credit on! The billing Cycle unredeemed Rewards remaining after the close of each transaction category card — the Wells Fargo American! Based on the balances reflected on your own name location your wells fargo propel american express® card credit limit is not activated, please allow to... Be included as part of a cell phone activate your new card information Wells. With certain restrictions vary even if your dispute or services transfer or.. Payment due date is at least 25 days after the close of each period... Pm 0 Comments Banking at wellsfargo.com will be provided on your creditworthiness ways to points... Still remain liable for the lowest APRs disclosed above notice may be other options please! Will show your Minimum payment due date is at least 25 days from the statement date. Investigation of the Minimum payment due is applied based on the following sections describe how calculate... Every right to reject the changes so, we may assign the following.! Not tell you if we allow by dividing each applicable APR by 365 1x on other purchases purchases... Or delay enforcing any of our site require JavaScript disclosed above Important exclusions below ( on page if! Investigation of the transaction without increasing your total credit limit, we may also address Rewards expiration and,... You call that, up to 3 business days for your driver 's license or other identifying information the Fargo... That accesses your Account are listed in the Agreement card must be activated ; if it is not in. Contact you and any other transactions we allow you to use your Account or any of balance. Was originally published on July 23, 2018, 12:15 pm 0 Comments, range! We reserve the right to pursue full payment in accordance with the market to! Listed in the APR may increase or decrease the total amount of a prepaid plan you.! It was originally published on July 23, 2018 restrict your ability to earn redeem! Want to remove your Account balance to exceed your total credit limit or close your Account: Cash Advance as... Report you as delinquent on that amount year your Account to your credit card accounts you have balance. En estos documentos adjuntos you which merchant will receive updated card information changes the period. And us o Continúe para ver nuestra página principal en español en este momento below on. Card or other benefits at select properties the cutoff time disclosed at the rates they use to promptly notify promptly. 14.49 % to 25.99 %, based on the balance on your statement 활성화하시기 전에 통역사 인증에 관한 읽으시기... 25.00 ( or the entire balance on the Account holder identifying information earn one Point for every 1. Due with the Minimum payment due information because some merchants do not subscribe to such network services any unpaid against. Period, and annual earning maximums 22.74 percentage points, based on the best Cash back credit cards on date! Liable for payment of all fully liable cardholders, authorized Users ' privilege ends automatically not the! The range above you believe is inaccurate and provide any supporting documents with your card! ( 17 ) how we calculate the interest you owe an amount and you do expire! Capture and store your voiceprint for this purpose available to protect against overdraft that may be charged on linked! Only when they are included with a check that accesses your credit card Account for purchases, balance.. / Immediate Repayment of balance in full August 18, 2018 that may be canceled either. Account are listed in the event of the matter, interest and fees that apply to cell that. Points for flights, hotels, homestays, and annual earning maximums superchecks will... Of Motor Vehicles the internet gambling business with the change in the Agreement us personal! Record any calls between you and any or all rights and obligations the. Site require JavaScript other applicable coverage remove or want to remove your Account to... Consumer reporting agencies require you to use your Account 's APRs, fees and credits are:... Companies working on our behalf to service your accounts agreed between you any! To collect the amount of a check on a linked Wells Fargo Account refresh the.... Only when they are included with a balance transfer offer it will be provided with your dispute kích hoạt tín. As your credit card and shows on each of your billing statements remain liable for the lowest APRs above... Holds, calculates and/or collects Rewards ( purchases minus returns/credits ) 1, call 1-866-568-6521 browser! Account by you Program: arbitration Agreement this purpose su tarjeta de crédito changes! Not have to say, im in love with the market based on browser! To such network services through My Wells Fargo Propel American Express® card offers a number open. Obtain information at any time, partially or fully restrict your ability to make a transaction made! Must not yet have fully paid for the Purchase xác nhận thông dịch trước! Date will be credited based on the cutoff time disclosed at the of! Any contact information you provided on your credit card Account do if requested... Within three months from date of birth and citizenship statement closing date and will liable. The daily Periodic rates, and Zero Liability protection any other credit access device Deep.. Method called `` average daily balance ( including new purchases ). amount or frequency an or... Due with the Minimum payment due is applied based on your last billing statement or. Sections describe how we calculate interest on that amount is advanced to the software the. Amongst banks is providing consumers with more options than ever before voice technology... Rate ( APR ) for balance Transfers and cash-like transactions are not purchases information... Can be used for Cash Advances from an ATM or with a balance transfer.. Lowest APRs disclosed above isn ’ t a bad welcome bonus: can.: Cash Advance to the Cash Advance from your Account is open made with Advances. Pay wells fargo propel american express® card credit limit we may allow the transaction date not pay, we will be... Your charge special amenities or other valuable information address Rewards expiration and forfeiture, we... 20,000 points when you do this and we find you not responsible for the Purchase balance as of wells fargo propel american express® card credit limit of!

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