Wells Fargo Visa® Card

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2.0 out of 5 stars
9 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

2 5

These reviews were written by current and former cardholders in the last year.

Dec 08, 2016
Terrible Credit Limit Increase Program
Kombinator Cardholder

This was my first credit card as a young adult. Originally, it was a secured card with a line of $300. I moved to an unsecured card about a year or so later. Since then (~6 years), I have recieved 2 credit limit increases to a total credit line of $700 (I had to call and personally request both). This is despite having a credit score in the mid 700s and 2 other credit cards, both of which have significantly higher limits (between 6 and 15x higher). In addition to this I probably make 4x as much in salary as I did when I originally got this card, I even do my regular banking through Wells Fargo, so they can easily see and verify my paycheck/expense information, but none of these factors seem to matter. I'm now stuck with a card I never use because the limit is so low and the rewards are terrible purely because it is my oldest credit line and would negatively effect my credit if I closed it down.

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Jan 17, 2017

we both are on the same page.

Nov 18, 2016
Rewards card is OK
Anonymous Cardholder

I’ve had this card for almost 3 years and received it with a credit limit of 5k. At the time, I only had one other credit card (Cap1), a crap load of student loans, and a car loan. My credit score was ~660. Mind you I did have a banking acct with WF at the time.

Fast forward a year after receiving this card, I got an automatic limit increase after my Cap1 card limit was increased.  Exactly a year later (Nov 2016) I got another credit limit increase to now put this card over the 10k limit.

I’m ecstatic and grateful but I do know this is a SETUP. I find it quite funny to raise a credit limit just in time for the holidays.  I certainly will not be falling for that trick as I’ll be adding this card to the safe.

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Nov 15, 2016
Never Graduates
Pondal86 Cardholder

Applying at a branch, I started the secured card with $300. Paid half off one month, then full the next, then repeat, as I've been advised, never maxed it and never late. Year 1 it never graduated so I increased it to $400 thinking I might as well turn it into an amount that's more useful for purchases. Still no change Year two. I've seen some Credit Score increase with this card, but not half as much as I did by starting a Discover secure card, which by the way graduated in under a year and had the limit increased at 1 and 1.5 years. 

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Oct 25, 2016
Very Bad Wellsfargo Credit Card
Anonymous Cardholder

It was long time wehn I opened this card and it was 2014 as secured card with 300 dollars.  I was expecting my card will be unsecure credit card,where my credit score was good. BUT After 2 years 2016 October, they said you are graduated to unsecured with limit credit line limit 300 dollars, I told them I am professional and my credit score is above 730, so I need my credit line limit should be more than this, they said will increase up to 500 limit, and I didnt liked it the way they talk to me and their survices, I wish I could not openend an account in Wellsfargo bank, I advice go to other creditor not wellsfargo.

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Sep 16, 2016
Wells Fargo is the BEST!

I've had the card for a couple of years now and have never had an issue. It seems like the people that have problems on here are those that have bad credit and could only get in with a secured card. Wells Fargo has always did me right and could I have nothing but praises for them. I have a mortgage, auto loan and a credit card with this bank and I've never once had an issue with payments not posting or their customer service. I see a few stories where customers payments had not been applied immediately to their account which leads me to beleive that there may some type of internal risk model linked to our accounts. I've been fortunate enough that when I make a payment online, the payment post almost immediately - even before the money has come out of my account. Wells Fargo is a good bank and extremely picky for a reason. They want to keep the rift raft out and I don't blame them. By doing this, they protect their good cusotmers like me to not have to pay for those who are riskier and cause bad debt accounts. 

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Aug 15, 2016
Bad services, rewards are pointless
patrickshandy Cardholder

I made a payment, they took the funds and they still haven't posted the payment to my account. I made two calls with two unhelpful agents who had their hands tied and couldn't tell me why they couldn't release the funds even thought the funds have been out of my account for over 12 days!  I like don't like a card company that doesn't have their act in order. I am nimble with my payments to get my credit back and having them hold onto 1700 bucks for this long has been an inconvenience. Bad Card, bad company, bad service. 

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Aug 15, 2016
Payments take forever, pointless rewards
patrickshandy Cardholder

That it may take up to 3 weeks for your payment to process eventhough the funds were taken from my bank. I placed a call to them 10 days after i made my payent and they said yes, it may take another 7 days to post to your account. In hopes to work this card with my credit profile doesn't work as i move funds around to be nimble on payments and surcharges...this company takes that advantage away from me taking 3 weeks to post a payment!

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Jun 27, 2016
not faithful customer card
reddawg67 Cardholder

i opened this card in 2013 a a secured card with a 500 dollars. After one year was bumped to 200 limit and unsecured status . But, since closing  savings and checking accounts and moving to a credit union . i can not get an increase per there rejection letter no accounts with wells fargo , and theres 3 paid collections on my cr wich the younges is like 14 months old . When i started this card my tu score was like a 515  as of 06/20/2016 659  and since that time i have a navy federal credit union visa card with a 5200 cl and just got a discover in may of 2016 with a 5500 cl not to mention my lowes just got bumped from a 500 limit to 2000 , so ive come to the conclusion they want nothing to do with faithfull on time customers unless your score is 720 or above . note i called the mortage dept once about a home loan  and the gurl was kind enough to tell me is i didnt have avg scoreof 640 for 2 years they wouldnt touch me  , hey at least she was honest .there fore im only holding this card for the length of credit as it was my first card when i started my rebuilding . also note b4 my discover hit my credit report my score was a 681

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Apr 27, 2016
ihavecrankybf Cardholder

Secured credit line with a line of $300. Shutting it down since,1 they take too long to post the balance, 2: you never graduate. It's good for rebuilding credit but Discover offers secured card with rewards and once the credit is built, move on to a better card!

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May 23, 2016

That's actually wrong , you can graduate and without inquiry if you're diligent.

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Wells Fargo Visa® Card