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Wells Fargo Autograph Visa® Card: Unveiling Terms and Conditions | A Complete Guide By SMS

Thank you for exploring the Wells Fargo Autograph Visa® Card on Samsungmobilespecs.com. Before diving into the details of this feature-packed card, let’s unravel the essential terms and conditions that come with managing this credit card account.

Important Disclosures: Interest Rates and Charges:

Explore the vital details: Interest Rates and Charges for the Wells Fargo Autograph Visa® Card. Make informed decisions as you navigate this essential information, wells fargo active cash.

Annual Percentage Rate (APR) for Purchases

Enjoy a 0.00% introductory APR for the first 12 months, followed by a competitive APR ranging from 20.24% to 29.99%, depending on your creditworthiness.

APR for Balance Transfers

For balance transfers, expect an APR of 20.24% to 29.99%, based on your creditworthiness.

APR for Cash Advances

Cash advances and overdraft protection advances come with an APR of 29.99%.

Managing Interest on Purchases

To avoid interest on purchases, ensure you pay the entire balance by the due date each month. The minimum interest charge is $1.00.

Fee Structure: Annual Fee

No annual fee is applicable.

Transaction Fees

  • Balance Transfers: Initial fee of either $5 or 3% of the balance transfer amount, whichever is greater, for the first 120 days. Subsequently, up to 5% per transfer, with a minimum of $5.
  • Cash Advances: Either $10 or 5% of the advance amount, whichever is greater.
  • Foreign Currency Conversion: None

Penalty Fees

  • Late Payment: Up to $40

Understanding Your Balance

The “average daily balance (including new purchases)” method is employed to calculate your balance.

Table of Contents

This comprehensive guide is divided into two parts for your convenience:

Wells fargo autograph card

Part 1: Important Details About Using This Credit Card Account

Application Overview

  • What is this application for?
  • Agreement Terms
  • Eligibility for Multiple Wells Fargo Credit Card Accounts
  • Identity Verification Procedures
  • Application Review Process
  • Postcard Confirmation for New Cardholders
  • Minimum Credit Limit
  • Credit Limit Management for Multiple Accounts

Understanding Variable APRs

Calculating Variable APRs

  • U.S. Prime Rate and Margins
  • Determining Variable APRs for Purchases, Balance Transfers, and Cash Advances

Payment Processing

  • Minimum Payment Structure
  • Applying Excess Payments
  • Overdraft Protection Mechanism

Information Verification

Contacting Phone Service Providers

  • Verification Process
  • Permissible Contact and Communication

Account Holder Responsibilities

  • Updating Contact Information
  • Special Considerations for Ohio and Wisconsin Residents

Rewards and Bonuses

30,000 Rewards Points Bonus

  • Qualification Criteria
  • Bonus Redemption Restrictions

Part 2: Wells Fargo Rewards® Program

Earning Rewards Points

  • Credit Card Purchases
  • Bonus Points Categories: Entertainment, Food/Drink Establishments, Fuel/Charging Stations, Telecommunication Services, Transport, Travel

Non-Qualifying Transactions

  • Transactions Excluded from Earning Bonus Points

Points Accumulation and Expiry

  • Unlimited Rewards Points Accumulation
  • Points Expiry Policy

Redemption Options

  • Flexible Redemption Choices
  • Redemption Process Overview

Late Payments and Rewards

  • Impact of Late Payments on Rewards Points

Program Changes and Cancellations

  • Wells Fargo’s Right to Modify Terms
  • Suspension or Cancellation of Participation
  • User-initiated Program Cancellation

Conclusion

As of Dec 2023, this guide provides precise details regarding the Wells Fargo Autograph Visa® Card on Samsungmobilespecs.com. For any subsequent updates, please reach out to us at 1-866-229-6633. Feel free to tailor the headings and keywords according to your specific needs.

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