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Nicole Esplin is a graduate of Elon University and is currently completing her MBA in finance and marketing at the University of Colorado. She started freelance writing in undergrad, and has written for Runner's World, U.S. Airways Magazine, Trulia, and Choice Hotels. In her free time, she enjoys running and hiking with her dog, Charlie.
Use these three questions to help figure out if you need a credit card, and if you do, check out some considerations for which card to pick.
Knowing how your credit works is important to your financial health.
An interest rate is one piece of APR. Understand the two rates — and how to use them.
1 You must be an account holder of an eligible Wells Fargo product with a FICO® Score available and enrolled in Wells Fargo Online banking. Eligible products include: deposit, investment, retirement, loan and credit products. Business and commercial accounts are not eligible.
Important: There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan, or an automatic upgrade on a credit card.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.