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Seven Top Risks Of Upgrading Wells Fargo Credit Card | upgrading wells fargo credit card

In the world of credit cards, there are some things that you simply cannot live without. One of them is your credit card with Wells Fargo. While you cannot live without your credit card with Wells Fargo, you have to know what you are getting for your money. Here are three reasons that upgrading your Wells Fargo credit card should be on your list of things that you absolutely must do.

No annual fee – This may be one of the biggest drawbacks to having a Wells Fargo credit card. The fact is that you have to pay an annual fee of nearly $100 just to use your card. If you have a low credit score and/or no credit history, this can be a huge disadvantage. Fortunately, with today's credit card market, you can easily find one that has no annual fees and transfer your balance onto a free or very cheap card to offset the fee.

No balance transfer fees – Credit cards are all about transferring balances and paying off balances. However, with many credit card companies, you have to pay extra fees if you want to transfer your balance onto another one of their cards. You don't want to do this, as it is much more expensive than it has ever been in the past. There are a few companies out there that will offer you zero percent balance transfer fees. Take advantage of these and you should end up saving yourself quite a bit of money.

No credit check – Most credit cards out there now require that you have decent credit in order to even get approved for one. This makes it very difficult to apply for a Wells Fargo credit card, as they don't make loans to people that have poor credit. What they do offer, though, is credit cards that are made out of other things that are not as widely known as credit cards. Take advantage of this and make sure that your credit score is good enough before applying for anything else.

No annual fees – Credit cards come with an annual fee every year. Some of these annual fees are extremely high and can be quite burdensome. If you are planning on applying for a Wells Fargo credit card, look into whether or not you will need to pay any of these annual fees. If you don't, this could be a huge advantage for you. If you do pay for one of these cards, though, you should make sure that you do not have to spend too much money in a year just to pay for it.

No foreign transactions fees – The fees that come with using a foreign credit card are extremely high. These fees really add up, especially if you use your Wells Fargo credit card overseas. Many people who travel overseas have reported losing hundreds of dollars just because they did not realize that they were traveling abroad, and did not have the proper insurance to cover this while they were abroad. If you are going to be traveling overseas, consider getting one of the many Wells Fargo credit cards that offer no foreign transactions fees. This can save you a great deal of money when traveling around the world.

Rewards programs – Every credit card offers rewards for using them, but some offer better than others. There are many different rewards programs available, from cash back programs to airline miles programs to even gift certificates. It is important that you look into all of the rewards offered and see which ones would benefit you best. If you do not plan on using your Wells Fargo credit card at the gas station that you frequent, look into a program that gives you cash back from purchases made at a specific gas station. This can end up being a major advantage over the competition. Other rewards programs may also be better, depending on your situation.

Check into all of the perks available before you apply for a Wells Fargo credit card. You should look into any bonuses that you may be entitled to, such as Lowe's or Sam's Club reward points. Also, check your monthly account balances to see if you can qualify for free air miles. Many people will receive these rewards for sticking with the one company for a long period of time. When you are able to use your credit card to make the type of purchases that you need, it can be beneficial.

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