The fastest way to pay is online through your Wells Fargo account
Log into your Wells Fargo account at wellsfargo.com or through the mobile app, go to your credit card, and select "Make a Payment." You can pay your full balance, a minimum payment, or any amount in between. The payment posts immediately if you pay before the cutoff time (usually 8 p.m. ET on business days); if you pay after that, it posts the next business day. You'll need your online login or your card number and PIN to get your free guide.
If you don't have online access yet, you can set it up in minutes using your Social Security number, card number, and a valid email address. Wells Fargo will send you a temporary password, which you change on your first login.
Key Takeaways
- Online payment through your Wells Fargo account or mobile app posts the same business day if submitted before 8 p.m. ET, with no fee.
- Phone payments to 1-800-869-3557 take the same time as online but require you to speak with a representative or use automated voice prompts.
- Mail payments take 7 to 10 business days to post, so send them at least two weeks before your due date to avoid late fees.
- In-person payments at a Wells Fargo branch post immediately and require only your card and a valid ID.
- Late fees start at $25 to $35 depending on your balance, and a single late payment can raise your interest rate.
Paying by phone or automated system
Call Wells Fargo credit card customer service at 1-800-869-3557. You can speak to a representative or use the automated phone system to make a one-time payment. Have your card number and bank account information ready if you're paying from a checking or savings account. If you're paying with another credit card, the system will ask for that card's number instead.
Phone payments process the same day if you call before 8 p.m. ET on a business day. There is no fee for paying by phone. The automated system is available 24/7, but if you need to speak to a person, wait times vary depending on call volume.
Mailing a check or money order
Write a check or money order payable to Wells Fargo and mail it to the address on your statement. Do not mail cash. Include your account number on the check so Wells Fargo can match the payment to your card. Mail payments take 7 to 10 business days to reach Wells Fargo's processing center and post to your account, so send your payment at least two weeks before your due date.
If your payment arrives after your due date, you will be charged a late fee even if you mailed it on time. For this reason, mailing is the slowest and riskiest option. Use it only if you have no other way to pay and you have extra time before your due date.
Paying in person at a Wells Fargo branch
Visit any Wells Fargo branch during business hours with your credit card and a valid photo ID. Tell the teller you want to make a credit card payment. You can pay with cash, a check, or a debit card. The payment posts to your account immediately, even if you pay after hours (it will post the next business day, but the teller will confirm receipt on the spot).
In-person payments are useful if you need the payment to post right away and you have a branch nearby. There is no fee for this method. Branch hours vary by location, so check wellsfargo.com or call ahead to confirm when your nearest branch is open.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Wells Fargo account, go to your credit card, and select "Set Up Autopay." You can choose to pay your full balance, a fixed amount, or your minimum payment each month. Pick the date you want the payment to come out—most people choose a few days after payday or a few days before the due date.
Once autopay is set up, the payment comes out of your bank account on that date every month. You can change or cancel it anytime. If your bank account doesn't have enough money on the payment date, the payment will fail and you may be charged an overdraft fee by your bank, so make sure your account has the funds available.
What happens if your payment is late
A payment is late if it doesn't post by your due date. Wells Fargo charges a late fee of $25 to $35 depending on your balance and payment history. More importantly, a single late payment can trigger a penalty interest rate, which is usually 10 to 29.99% depending on your card and creditworthiness. This higher rate applies to your entire balance, not just new purchases.
Late payments also report to the credit bureaus (Equifax, Experian, and TransUnion) and stay on your credit report for seven years. Even one late payment can lower your credit score by 100 points or more. If you miss a payment, call Wells Fargo at 1-800-869-3557 as soon as you realize it. Some cardholders can get a late fee waived if they have a good payment history and call within 30 days.
Disputing a payment or reversing a transaction
If you made a payment by mistake—for example, you paid twice or paid the wrong amount—contact Wells Fargo immediately. Call 1-800-869-3557 and explain what happened. If the payment hasn't posted yet, Wells Fargo can often cancel it. If it has already posted, you can request a reversal, though this takes longer and requires documentation.
If someone else made a payment from your account without your permission, report it as fraud. Call the number on the back of your card or 1-800-869-3557 and tell them the unauthorized payment. Wells Fargo will investigate and may reverse the charge. You are not liable for fraudulent charges if you report them within 60 days of the statement date.
Frequently Asked Questions
Can I pay my Wells Fargo credit card with a debit card?
Yes, but only in person at a Wells Fargo branch or by phone. You cannot pay with a debit card online through your account. Paying a credit card with another credit card is usually not allowed and may be treated as a cash advance with a separate fee.
What time does Wells Fargo stop accepting payments each day?
Online and phone payments posted the same day if submitted before 8 p.m. ET on a business day. After 8 p.m. ET or on weekends and holidays, your payment posts the next business day. The cutoff time is the same for all payment methods except in-person payments at a branch, which post immediately during business hours.
Will paying early hurt my credit score?
No. Paying early or paying more than the minimum has no negative effect on your credit score. In fact, paying down your balance faster lowers your credit utilization ratio, which can improve your score over time.
How do I know if my payment posted?
Log into your Wells Fargo account and check your credit card statement or recent transactions. You can also call 1-800-869-3557 to confirm. Online and phone payments show a confirmation number immediately after you submit them, which you can save as proof.
Can I set up autopay to pay only the minimum?
Yes. When you set up autopay, you can choose to pay your full balance, a fixed dollar amount, or your minimum payment. Paying only the minimum means you'll carry a balance and pay interest, but it ensures you never miss a due date.