Mail your payment to the address on your statement or invoice
Wells Fargo prints a specific mailing address on every credit card statement you receive. This is the address you should use if you pay by check or money order. The address appears near the top of your statement, usually labeled "Payment Address" or "Send Payment To," and it is different from the address where Wells Fargo's corporate offices are located.
Do not use a general Wells Fargo branch address or the address on the back of your card. Using the wrong address delays your payment and may result in a late fee. If you have lost your statement, you can find the correct mailing address by logging into your Wells Fargo online account, calling the customer service number on the back of your card, or checking a recent statement you still have on file.
Key Takeaways
- The correct mailing address for your payment appears on your monthly statement under "Payment Address" or "Send Payment To."
- Mail payments typically take five to seven business days to reach Wells Fargo and post to your account, so send them early if your due date is approaching.
- Wells Fargo offers online payment, automatic payment setup, and mobile app payment as faster alternatives that post within one business day.
- If you mail a check, include your account number on the check itself and allow extra time during holidays or weekends.
How long mailed payments take to post
A check or money order sent through the mail typically takes five to seven business days to reach Wells Fargo's processing center and post to your account. This timeline assumes you mail the payment on a business day and does not include weekends or federal holidays. If your due date falls within the next week, mailing a payment is risky because it may not arrive in time.
Wells Fargo considers a payment late if it is not received by 5 p.m. Eastern Time on the due date, regardless of when you mailed it. A late payment triggers a late fee and may affect your credit score. If you are cutting it close to your due date, use online payment or the Wells Fargo mobile app instead, both of which post within one business day.
Online and mobile payment options
Wells Fargo allows you to pay your credit card bill online through your account at wellsfargo.com or through the Wells Fargo mobile app. Both methods post your payment within one business day and carry no mailing delay. You can make a one-time payment or set up automatic payments that deduct from your bank account on a date you choose each month.
To pay online, log in to your Wells Fargo account, select your credit card, and choose "Make a Payment." You can pay from a Wells Fargo checking or savings account, or from an account at another bank if you provide the routing and account number. The mobile app offers the same options and is faster if you are paying from your phone.
Setting up automatic payments
Automatic payments remove the need to remember your due date or mail a check. You choose the payment amount (minimum payment, a fixed dollar amount, or the full statement balance) and the date each month when the payment should be deducted from your bank account. Wells Fargo processes automatic payments on the date you select, and they post within one business day.
To set up automatic payments, log into your Wells Fargo account, go to the credit card section, and select "Automatic Payments" or "Autopay." You will need to provide a bank account number and routing number. You can change or cancel automatic payments at any time through your account, and you can set up different automatic payments for different cards if you have more than one Wells Fargo credit card.
What to include when you mail a payment
If you choose to mail a check or money order, write your credit card account number on the front of the check in the memo line. This helps Wells Fargo's processing center match your payment to the correct account. Include the payment stub from your statement if one was provided, as it also contains your account number and helps speed up processing.
Mail your payment to the address printed on your statement, not to a Wells Fargo branch or corporate office. Use a standard envelope and first-class mail. If you are mailing during a holiday week or over a weekend, add several extra days to the typical five to seven day timeline, as mail processing slows during these periods.
What to do if your payment is late
If your payment does not arrive by the due date, contact Wells Fargo customer service using the number on the back of your card. Explain that you mailed the payment and provide the date you mailed it and the amount. Wells Fargo may waive a single late fee if you have a good payment history and can show proof that you mailed the payment on time.
While you wait for the mailed payment to arrive, you can make an additional payment online or through the app to bring your account current and avoid further late fees. Once the mailed payment arrives, it will post to your account and you can request a refund of the duplicate payment if needed.
Payment address for different Wells Fargo credit card types
Wells Fargo issues several credit card products, including the Wells Fargo Active Cash Card, Wells Fargo Secured Credit Card, and co-branded cards with partners like Marriott and American Airlines. The mailing address for payment is the same regardless of which Wells Fargo credit card you hold. Always use the address printed on your specific statement rather than assuming all Wells Fargo cards use the same address, because processing centers may differ.
If you have multiple Wells Fargo credit cards, each statement will show its own mailing address. Check the address on each statement before mailing a payment to may support it reaches the correct processing center. Using the wrong address for one card does not affect your other cards, but it will delay that specific payment.
Frequently Asked Questions
Can I pay my Wells Fargo credit card at a Wells Fargo branch in person?
Wells Fargo does not accept credit card payments at branch locations. You must pay by mail, online, through the mobile app, or by phone. Visiting a branch will not process your payment, so use one of the methods listed on your statement instead.
What happens if I send my payment to the wrong address?
If your check reaches a Wells Fargo branch or office instead of the payment processing center, it will be returned or forwarded, which delays posting by one to two weeks. This may cause a late fee. Always use the address on your statement. If you realize you used the wrong address, contact Wells Fargo when ready to report the error.
Is there a phone number where I can pay my credit card bill?
Yes. Call the customer service number on the back of your credit card to pay by phone. A representative will take your payment information and process the payment over the phone. This method posts within one business day, similar to online payment.
Do I need to include the payment stub when I mail a check?
Including the payment stub speeds up processing because it contains your account number and statement details. If you do not have the stub, write your account number on the check itself in the memo line. Wells Fargo can process the payment either way, but the stub makes it faster.
What is the latest time I can pay online on my due date?
Wells Fargo accepts online payments until 5 p.m. Eastern Time on your due date. Payments submitted after 5 p.m. Eastern Time are considered late. If your due date falls on a weekend or holiday, the important date moves to the next business day.