How to Check for Pre-Qualified Credit Card Offers from Wells Fargo?

When applying for a credit card, it is difficult to know if you will end up with a rejection. Because of this, you may want to know if you are already prequalified for the card you are applying for.

The bigger financial institutions allow you to check the cards you are pre-qualified for by entering personal information like name, address, and social security number.

After that, the lender will send you a mail that includes the information on the cards for which you are pre-qualified.

In this article, we will provide everything you need to know about Wells Fargo’s credit card prequalification. Keep reading to learn how to check for Pre-qualified credit card offers from Wells Fargo.

What Does It Mean to be Pre-Qualified for a Wells Fargo Credit Card?

Pre-qualified for a Wells Fargo credit card means a credit card will come to you at the time of making an application. Signing up for a pre-approved card may be better than applying for a new card. Generally, Pre-approved cards come with better deals.

Before they qualify you, the bank goes to the credit bureau to get information about your credit history. This is just a soft inquiry, which has no impact on your credit score.

The bank may also come up with a pre-qualified list of potential customers from the credit bureaus. They may also ask for lists from the credit bureaus based on certain criteria. After that, the lender will put you on the pre-qualified list and will send an email to that effect.

If you are in any of the Wells Fargo pre-qualified lists, you will be notified by mail. So, it is unnecessary to check online or otherwise.

If you are pre-qualified it doesn’t mean that you start smiling about it. It will give you a head start when you finally make the application, it does not mean that you will get the card. After evaluating your whole credit report, the bank could end up rejecting your application.

The same will also apply to those who are not lucky to be pre-qualified. It is an assessment of the full credit report which will bring out more information to enable you to qualify for the card.

How to Check If You are Pre-Qualified for a Wells Fargo Credit Card?

If you are interested in how to check whether you are pre-qualified for a Wells Fargo credit card then you are in the right place. Unlike other banks where you can request the offers, you are pre-qualified for Wells Fargo does not offer such an option. You can apply for a card in a straight way.

But there is an exception for existing members of the bank. For that, they need to sign in to their online account, click on the “Products and Offers” option, and see if there are any pre-qualifications specifically for them.

If you have received a pre-qualification offer in the mail. You can respond to it by visiting the Wells Fargo credit cards page and then click on “Respond to an offer”. After that, you will have to enter the last four digits of your social security number, and reservation number, before accessing your Wells Fargo credit card offers.

Leave a Reply

Your email address will not be published.