Wells Fargo Credit Card Agreements

Any cards we issue to you or devices that allow you to access funds in your account. (22) Review of credit information. We can verify all the information you have provided on your loan application at any time. This may include: If you send your payment by mail, please send an email to the payment address provided on your billing statement with the envelope and payment coupon attached. Payments received before 17:00 P.m. at the place where your payment will be sent will be credited from the date of receipt. In case of reception after 17:00.m. these will be credited the next day. Payments made through Wells Fargo Online Banking at wellsfargo.com will be credited based on the specified cut-off time at the time of the transaction. If you do not follow these instructions, your payment cannot be credited to us until five days after receipt.

Cheques or other paper documents can be converted into an electronic transaction through procedures established by the National Automated Clearing House Association. In this case, the original cheque or any other document you send us will not be kept, but a copy will be available upon request. A portion of your available line of credit may be retained at our discretion until your payment is settled. You may not pay this account using a credit or loan account of Wells Fargo Bank, N.A. or a credit or loan account of a Wells Fargo affiliate. You cannot use SUPERCHECKS cheques to make payments to this account. In general, we first apply your minimum payment to lower APR balances (e.B. purchases) before balances with a higher APR (e.B cash advances).

Payments that exceed the minimum payment are first applied to balances with higher peaks, before to balances with lower peaks. We settle payments in the billing cycle in which they are received. Any payment that exceeds the minimum payment due will be applied based on the balances displayed on your last statement. Look at the back of the credit card or your last monthly statement to find the name of the issuer. The bank, retailer or other legal entity whose name appears on the front of the card may not be the actual issuer of the card. You can also check the issuer`s website. As a rule, the name of the bank is indicated at the bottom of the issuer`s home page. (9) Authorizations. We do not guarantee the approval of transactions. We reserve the right to refuse transactions for any reason, account defaults by . B, suspected fraudulent or illegal activity, Internet gambling or indications of increased risk associated with the transaction. If you abuse, abuse or attempt to gamble in connection with obtaining or using Points, we may close or restrict your Wells Fargo credit card(s).

Abuse, abuse, or gambling includes, but is not limited to, making multiple purchases and payments during a billing cycle, with the dollar amount for each purchase significantly exceeding your credit limit. We may also limit the number of permissions we allow for a certain period of time. Transactions with certain merchants (e.B. Hotels, car rental companies, restaurants and gas stations) may result in temporary permits for amounts greater than the actual amount of the purchase. Therefore, less balance will be available on your account for several days, usually until the date the actual purchase amount is received from the merchant. If you share your credit card information with a merchant to charge your account for recurring payments or save it for future purchases or payments, and your card number, expiration date, or security code changes, you must notify the merchant with your new card information. .