Wells Fargo Online Gambling Policy
Wells Fargo Cash Back College Visa® Card Terms and Conditions
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If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. See important exclusions below (on page 2 if printed).
IMPORTANT DISCLOSURES
Annual Percentage Rate (APR) for Purchases | 0.00% introductory APR for 6 months from date of account opening. After that, your APR will be 11.15% to 21.15%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. |
|---|---|
Annual Percentage Rate (APR) for Balance Transfers | 0.00% introductory APR for 6 months from date of account opening. After that, your APR will be 11.15% to 21.15%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. |
APR for Cash Advances and Overdraft Protection Advances | 23.99% This APR will vary with the market based on the U.S. Prime Rate. |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.00. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
Annual Fee | None |
|---|---|
Transaction Fees | |
| Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5. |
| Either $10 or 5% of the amount of each advance, whichever is greater. |
| $12.50 if the total of overdraft protection advances for the day is $50 or less; |
| 3% of each transaction converted to U.S. dollars. |
Penalty Fees | |
| Up to $40 |
| Up to $40 |
Wells Fargo Online Gambling Policy Status
How we will calculate your balance
We use a method called 'average daily balance (including new purchases)'.
Eligibility for introductory rate(s), fees, and bonus rewards offers
You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance.
You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. We may also limit the total number of open Wells Fargo credit card accounts you have.
Credit limit reallocation
If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions.
How we will calculate your variable APRs
- Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. The U.S. Prime Rate is 3.25 percentage points as of 03/10/2021.
- The 'Margin' for purchases and balance transfers will be 7.90 to 17.90 percentage points, based on your creditworthiness.
- The 'Margin' for cash advances and overdraft protection advances will be 20.74 percentage points.
Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ('Agreement') for your account and applicable law.
You may not qualify for the lowest APRs disclosed above. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.
Application of payments
Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.
Overdraft protection
If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. There may be other options available to protect against overdraft that may be less costly. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/.
Important information about procedures for opening a new account
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying information.
Consent to contact you
By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. You are responsible for any service provider charges as a result of us contacting you. You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you.
Notice to Ohio residents
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Notice to married Wisconsin residents
If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.
Application agreement
This application is for a credit card with Wells Fargo Bank, N.A. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature. You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. You hereby stipulate to the terms of the arbitration program described in the Agreement. You understand and agree that you will be liable for payment of all amounts owing on the account. The minimum credit limit, provided you meet the terms and conditions of this offer, is $500.00.
Cash Back College Card is limited to one account per customer.
A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. If you are a married applicant you may apply for credit in your own name.
Important notice
Please call to activate your new card as soon as you receive it. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account.
This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. This information may have changed after that date. To find out what may have changed, call 1-800-642-4720.
Important offer details
3% everyday spend bonus notice
Cardholders will earn a 1% cash reward for every $1 spent in net purchases (purchases minus returns/credits) made on the credit card account, rounded to the nearest one cent. During the first 6 months from the date the account is opened, for purchases made at retailers whose merchant code for Visa is classified in one of the following categories: grocery stores, drugstores and gas stations, cardholders will earn an additional 2% cash reward for every $1 spent in net purchases made on the credit card account, rounded to the nearest one cent. The maximum amount of bonus cash rewards you can earn under this promotion is $50 (which is $2,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Purchases not processed using these merchant codes for Visa will not qualify for bonus cash rewards. Wells Fargo does not have the ability to control how a retailer chooses to classify its business and therefore reserves the right to determine which purchases qualify for bonus cash rewards. You may not earn bonus cash rewards for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. These additional cash rewards earned during the first 6 months at the select merchants will appear on the cardholder's account statement 1 - 2 billing periods from the date earned. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards
Program Terms and Conditions for details.Cellular telephone protection
Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.
Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.
On Sunday night, I watched the Philadelphia Flyers get torn apart at a made-for-a-postcard setting in Lake Tahoe.
When the Boston Bruins took a 6-2 lead, I said to my husband at least the reverse retro jerseys look good. It takes away some of the sting of not having won a Stanley Cup since 1975.
I made this snarky comment as an Ivan Provorov reverse retro jersey waits in my online shopping cart and a closetful of Eric Lindros memorabilia sits upstairs.
This is what it’s like when you are married to a bitter Philadelphia sports fan.
The Flyers will be fine without me pushing “submit payment” on that jersey. They have a Flyers Twitter army that defends the team at every turn, an answer for everything from lack of production from veterans in the playoffs to ticket costs.
Incoming call from the Flyers
The morning after the Flyers lost to the Bruins, I got a call from them. No, not GM Chuck Fletcher. Grace, a representative, wanted to talk about the team. The call surprised me.
My husband and I are longtime Eagles season ticket holders and they never call. The Eagles sent us a small pack of grass seed this year. It was still more thoughtful than the coupon for 50 cents off a pack of Dietz & Watson hot dogs from previous years.
This was my second call from the Flyers since purchasing two single-game tickets last year. The Flyers might not know when certain players are past their prime or go decades without identifying franchise goaltenders. But no organization does more to feed the fans than the Flyers…From pictures of players’ helmet-less flowing hair to a mic’d up Travis Konecny to a chance to meet & greet the players (pre-COVID).
The same part of your brain that interprets hunger and thirst signals can send mixed messages. Perhaps it’s why the Flyers faithful really thirst to sip from Lord Stanley’s Cup but are kept more than full from the Flyers buffet of fan-friendly content.
The Flyers marketing moves
What happened to warm my cold, bitter heart and slowly make me relate to #FlyorDie fans who will pledge their undying allegiance to the Flyers #AnyTimeAnywhere?
- Gritty happened. A mascot is a marketing tool used by teams but Gritty transcended all of that. The brilliant team behind him made Gritty one of us and seamlessly weaved him into the team’s DNA.
- I went to two Flyers games (with paid-for tickets, not a press pass) to write about the changes at the Wells Fargo Center for the Flyers 2019/2020. It included the Rivers Casino Philadelphia Sports Lounge on the Main Concourse level and the BetRivers.com Sports Lounge, located on the New City Terrace.
- The Flyers called me a few weeks after the game I attended in Oct. 2019. I’ve bought my fair share of single-game tickets for the Sixers and Phillies and a “live person” has never called to ask about my experience. Maybe it’s because we don’t use phones for talking anymore and prefer text/email only. Maybe a sales call is considered “high-pressure” and sleazy. If anyone can figure a way to walk this line, it’s the marketing team at the Flyers.
- Carter Hart started playing like the best Flyers goalie I’ve ever seen.
- The pandemic happened and the Flyers, like every other team, were put on pause. But through their social media, and of course, Gritty, they never stopped producing entertaining content.
When will fans return to Flyers games?
When the 2021 season started in January, the top four teams by handle at FanDuel in the Stanley Cup Champion market were:
- Colorado Avalanche (27%)
- Philadelphia Flyers (12%)
- Tampa Bay Lightning (9%)
- New York Rangers (8% of handle with odds between 26/1 and 32/1)
The Flyers’ current Stanley Cup odds are +1400 and their odds to win the East Division are +470.
No fans have been in attendance for the Flyers 2021 season, yet. However, that might change soon. The Wells Fargo Centerhas been awarded the WELL Health-Safety Rating for Facility Operations and Management, a third-party verified rating of the venue’s health and safety protocols.
The Wells Fargo Center, home to Flyers, Sixers and some Villanova men’s basketball games, is the first events venue in Pennsylvania to achieve the distinction.
Wells Fargo Online Gambling Policy Program
Positive signs for fan return
Valerie Camillo, President of Business Operations for the Philadelphia Flyers and Wells Fargo Center said:
“The health and safety of our guests, employees, athletes and entertainers is our top priority – that’s why we’ve been working around the clock to ensure Wells Fargo Center is ready to welcome fans back later this year. Receiving the WELL Health-Safety Rating is an incredible achievement that shows our fans that we’re committed to rigorous standards for health and safety.
“We know how much this building means to the entire city and the memories it creates for so many people. On top of this rating, we’re going to continue to follow the guidance of public health officials at the city, state, and national levels so that we’re ready to welcome fans back to Wells Fargo Center for hockey, basketball, concerts and more later this year. The WELL Health-Safety Rating, along with our extensive health and safety efforts, puts us on the path to bringing our fans and part-time workers back as safely and as soon as possible.”
On Feb. 20, Keith Pompey of the Philadelphia Inquirerreported:
“The Sixers, Flyers, and Wells Fargo Center officials recently sent the city a proposal to have 5,000 fans in attendance for games beginning some time next month, according to sources. One of the sources said the Sixers would be satisfied with a limit of 2,500.”
When will fans return to arenas?
Among the questions Grace from the Flyers asked were:
Wells Fargo Online Gambling Policy Online
- What I liked about my last visits
- My favorite Flyers
- If I have been watching the Flyers
Then, with the artful skill of a Flyers employee, she asked the question that they, and all sports teams want to know.
Wells Fargo Online Gambling Policy Rules
When do you think you would come back to a game?
Their average attendance for the pandemic-shortened season was 18,390. The previous year it was 20,371. Last week, the New York Rangers put limited tickets to three home games for sale. They were immediately scooped up.
It’s a safe bet the same will happen when the Flyers offer a limited number of tickets to home games.
It doesn’t matter when I will go back to WFC to watch the Flyers.
Sure, the game in Lake Tahoe was picturesque. Hockey is filled with beauty – a Carter Hart sprawling save, a smooth deke, the Zamboni resurfacing the ice. But the Flyers’ behind-the-scenes beauty is something to behold. It makes fans feel included whether they are “there” or not.
Lead image credit: AP Photo/Matt Slocum