Apply for one of many cards, ranging in variety from low-interest cards to high-interest credit-card programs. If approved and eligible, you'll get your new card directly from Wells Fargo in the mail. Applying for a Wells Fargo New Card is the first step toward beginning good credit, the beginning of rebuilding destroyed credit, or even the beginning of an excellent rewards program. Here's how to do it.
The first and most important thing to do is to open a checking and savings account with Wells Fargo. You must have a checking account in order to apply for a New Card, and you must have a savings account. There are some exceptions to this requirement, especially for applicants with existing checking accounts with other banks. But that is the general rule. Either way, make sure you have both open and ready to use.
When you apply for your new card, they'll take another look at your credit report to confirm your identity and to verify any other required information, such as employment or income. After verifying these things, they'll give you a confirmation page. On this page, they'll ask for your contact information, which they will verify through atms or on the phone if you don't have atms available at this time. In addition to verifying your identity, they will also verify your employment and income, and may run a verification check against tax records, as well as current bank statements and so forth.
Two account options ideal for students who are applying for a Wells Fargo credit card: One is a standard checking account that can be accessed online; and the second is a savings account that have a set limit for purchases and for daily cash advances. If you already have a checking account with Wells Fargo, the process for opening a savings account using your current banking privileges is quite simple. You'll simply need to provide your current banking information and your student insurance information to set up your account. This process has no cost, and students looking to get a new credit card can quickly move their funds from a traditional checking account to a Wells Fargo prepaid debit card online in about five minutes.
During setup, you'll be able to choose from the options that fit your lifestyle and financial needs best. The following options are ideal for students looking to get a new card: No fee waived for direct deposit, automatic bill pay with a linked debit card or connected bank account, linked checking account, and two optional banking university programs. The No fee waived for direct deposit option is quite simply to have a designated person in your household be responsible for depositing your payments directly into your bank account every month. Automatic bill pay with a linked debit card lets you pay your bills electronically and automatically without worrying about being paid a late fee by your employer.
The second option, linked checking account, allows a student to consolidate all of his or her account balances into one account with a designated financial institution. To get started, he or she will be required to verify their student identification and complete an electronic banking application. He or she will then be sent an activation link, which he or she must click in order to activate his or her Wells Fargo debit card. After this step is successfully completed, a password will be sent . . . . . . to the student's email account and he or she will be able to activate and logout from his or her account anytime he or she chooses.
All of these fees are completely free to you, so there really isn't anything holding you back from enjoying all of the benefits associated with a Wells Fargo debit card. In fact, you can even use it to build a collection of credit cards that will give you additional perks and rewards as you accumulate more money from making your initial deposit. Another great benefit associated with this type of account is the fact that you will have a designated financial institution that will sit down with you and go over your financial information so that you are completely aware of everything that you are spending money on each month. This includes everything from the smallest charge to a large purchase.
If you are a student or a senior citizen, this type of account may be just what you are looking for to help you manage your finances. There are several things to keep in mind, however, before opening up a Wells Fargo debit account. First, make sure that you are still able to be covered by traditional forms of credit after you apply for this new card. Second, make sure that you have a social number, because this is the number that is linked to your account. Finally, make sure that you use the designated financial institution, because if you do not you may end up having to pay higher fees or charges. These fees and charges will likely be based upon the amount of money that you have loaded onto your account, but they could add up quickly, especially if you are not keeping track of all of your spending.
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