PERSONAL FINANCE FAQS

There are multiple ways to apply: online at wachovia.com, by completing and mailing in the application/acceptance form located at the bottom of the letter, or by calling (866) 327-6214, 24 hours a day, seven days week. You may also visit a Wachovia Financial Center for assistance.

You can apply for a Wachovia Credit Card by logging into Wachovia Online Services:

1. Go to wachovia.com
2. Log in with your User ID and Password
3. Click the Open a New Account button on the My Accounts page
4. Select Credit Card

Please allow up to 10 business days for your new credit card to arrive in the mail.

You can continue to use your existing Wachovia card for credit card purchase transactions. However, overdraft protection, transfers via Wachovia Online Banking, bill payments, Wachovia ATM cash access and card balance inquiries will be unavailable in the future.

You may be specifically referring to your FICO score that is used by many lenders, including Wachovia, as a factor to determine your credit risk. According to www.myFICO.com, applying for new credit will not necessarily have a negative impact on your credit score. Even if applying for a new credit account causes your score to drop, it may only drop by a few points. For more information about credit ratings and how they are affected by opening credit card accounts, visit www.myFICO.com.

You can view your credit card information through Wachovia Online Banking. If you would like to enroll in Online Banking or need to link your credit card account to Online Banking, please call (800) 950-2296, 24 hours a day, seven days a week.

You may also make your request to link your credit card account to Online Banking by sending a Secure Message through Online Banking. To do so:

1. Go to wachovia.com
2. Log in with your User ID and Password
3. Click Send Messages from within the Customer Service Section of the My Accounts or Summary of Accounts Page
4. Select the New Account option in New Departments and Personal Accounts
5. Request that your new credit card be linked to your Online Banking User Id (if you have more than one card, please indicate which account to link by providing the last four digits of your account number)
6. Click Send

No. You will need to cancel your current Wachovia Credit Card by using the form included in the Welcome Kit. Look for your Welcome Kit to arrive in the mail within 10 business days after you receive your new card.

If you no longer have your Welcome Kit, or if you have any questions, you may call (866) 201-5702, 24 hours a day, seven days a week or visit a Wachovia Financial Center to get assistance.

To view your balance, available credit, and other credit card details, you may login to Online Banking. You may also call (866) 201-5702, 24 hours a day, seven days a week, or visit a Wachovia Financial Center for assistance.

Please call us immediately at (866) 201-5702, 24 hours a day, seven days a week.

If you are an owner on the account, your card is damaged and you would like to get a replacement card, login to Online Banking to submit your request:

1. Go to wachovia.com
2. Login in with your User ID and Password
3. Select the Customer Service tab
4. Select the Lost, Stolen, or Replacement Card link in the Card Services section
5. Complete and submit your request

You may also order a replacement card by calling (866) 201-5702, 24 hours a day, seven days a week or by visiting a Wachovia Financial Center.

You may request a PIN by calling (866) 201-5702, 24 hours a day, seven days a week or by visiting a Wachovia Financial Center.

You can use your PIN to withdraw cash advances from your credit line at ATMs.

If your Wachovia Credit Card or Convenience Checks are lost, stolen or you suspect unauthorized use, please notify us immediately. You may be liable for the unauthorized use of your card or convenience checks used to access your account. You will not be liable for any unauthorized use that occurs after you notify Wachovia Card Products by calling a Credit Card Service Representative at (866) 201-5702 (English or Spanish), 24 hours a day, seven days a week, or by writing to us at P.O. Box 563966, Charlotte, N.C., 28256-3966 of the loss, theft or possible unauthorized use. 

If you orally give us notice concerning loss or theft, you must agree to confirm it in writing upon request. Unauthorized use does not include use by a person to whom you have given the authority to use the card, or convenience checks. To terminate that authority you must notify us at (866) 201-5702, 24 hours a day, seven days a week.

You may use your card at any ATM that accepts Visa^®. You must know your Personal Identification Number (PIN) in order to access cash at an ATM. Cash advances incur a cash advance fee by Wachovia.  The ATM owner (if a non-Wachovia ATM) may also assess a fee.

You may transfer balances to your new Wachovia card by calling (866) 661-0904 or by using the convenience checks in your credit card Welcome Kit. Promotional Balance Transfers (balance transfers made within the first three months of account opening) have a low introductory promotional rate.

This means that for a defined period you have a special low rate. However, after the defined introductory period or because of a late payment, the rate will increase according to the terms of the promotional offer.

Once your account is open, you can call (866) 661-0904 or use convenience checks to perform balance transfers. You may request any number of transfers, as long as the sum of the dollar amounts does not exceed your credit limit. The minimum amount you can transfer is $100.

You can dispute a charge online by logging into Wachovia Online Services. To dispute a charge online:

1. Go to wachovia.com
2. Log in with your User ID
3. Select the Customer Service tab
4. Click the Dispute or Inquire About a Transaction link in the Card Services section
5. Complete the form and submit it for review

You may also call (866) 201-5702, 24 hours a day, seven days a week, or visit a Wachovia Financial Center to dispute a charge.

Please call (866) 201-5702, 24 hours a day, seven days a week, to request additional convenience checks. The balance transfer fee and annual percentage rates for additional balance transfers are listed in your Cardholder Agreement and Disclosure Statement.

Please call (866) 201-5702, 24 hours a day, seven days a week to add or remove an authorized user to your account.

Please call (866) 201-5702, Monday through Friday, 8:00am to 6:00pm EST, to request a credit line increase.

Please call (866) 201-5702, 24 hours a day, seven days a week or visit a Wachovia Financial Center to report a change of address.

To view Wachovia Possibilities Rewards^® Points, login at www.wachoviapossibilities.com or follow the steps below to log in through Wachovia Online Services:

1. Log in with your User ID and Password at wachovia.com
2. Select the Customer Service tab
3. Click the View Wachovia Possibilities Rewards^® link in the Card Services section

You can also call (888) 440-7000, 9:00am to 9:30pm ET, Monday through Friday or 12:00pm to 6:00pm ET on Saturday for any questions on rewards.

To view your Wachovia Possibilities Rewards^® points, log in at www.wachoviapossibilities.com or follow the steps below to log in to Wachovia Online Services:

1. Log in with your User ID and Password at wachovia.com
2. Select the Customer Service tab
3. Click the View Wachovia Possibilities Rewards^® link in the Card Services section

You can also call (888) 440-7000, 9:00am to 9:30pm ET, Monday through Friday or 12:00pm to 6:00pm on Saturday for any questions on rewards.

No, you will not be able to transfer your Wachovia WorldPoints to the new Wachovia Possibilities Rewards^® program. Also, you will need to redeem your remaining WorldPoints before you cancel your existing Wachovia credit card.

Note:  Any remaining WorldPoints will be automatically cancelled if they are not redeemed.

Yes. You can make credit card payments in a Wachovia Financial Center.

You can set up recurring payments or autopay for your new Wachovia Credit Card online through Online Banking or by returning the autopay request form found in your Welcome Kit.

For assistance, you may refer to the information in your credit card Welcome Kit, call us at (866) 201-5702, 24 hours a day, seven days a week, or visit a Wachovia Financial Center.