PERSONAL FINANCE FAQS

The Wachovia Credit Card letter you received introduces you to our new Wachovia VISA^® Credit Card and rewards programs. There are multiple ways to apply: online through Wachovia Online Services, by completing and mailing in your 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.

After you apply, your new Wachovia Credit Card should arrive in less than 10 days. At that time, you may cancel your current Wachovia card by using the form included in the Welcome Kit which you will receive within 10 days of receiving your new card.

If you no longer have your letter or your Welcome Kit, or if you have any questions, please call (866) 327-6214, 24 hours a day, seven days a week, or 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. Enter your User ID and Password to login
3. Select the Customer Service tab
4. Select the Apply for Credit Card in the Apply Online section

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 at some point in the future.

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.

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 or closing credit accounts will not necessarily have a negative impact on your credit score. Even if these activities cause 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 and closing 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. Enter your User ID and Password to login
3. Select the Customer Service tab
4. Click the Send Messages link in the Secure Messages section
5. Select the New Account option in New Departments and Personal Accounts
6. 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)
7. Click Send

To view your balance, available credit, and other credit card details you may login to Online Banking. If your card was issued after July 28, 2006, you may also call (866) 201-5702, 24 hours a day, seven days a week, or visit a Wachovia Financial Center for assistance. Otherwise if your card was issued prior to July 28, 2006, call (800) 655-1491, 24 hours a day, seven days a week.

Please call us immediately at (866) 201-5702, 24 hours a day, seven days a week. If you have a Wachovia Credit Card issued before July 28, 2006 please call (800) 655-1491, 24 hours a day, seven days a week.

If your card was issued after July 28, 2006, 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. Enter your User ID and Password to login
3. Select the Customer Service tab
4. Select the Lost, Stolen, or Replacement Card link in the Account 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.

If your card was issued prior to July 28, 2006 and you would like to order a replacement card, please contact (800) 655-1491, 24 hours a day, seven days a week.

Note:  If your card was issued after July 28, 2006, you are an authorized user only, and you would like to replace a damaged card, please call (866) 201-5702, 24 hours a day, seven days a week.

If your card was issued after July 28, 2006, 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. If your card was issued prior to July 28, 2006, call (800) 655-1491, 24 hours a day, seven days a week.

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 issued after July 28, 2006 without incurring a fee by using the convenience checks in your credit card Welcome Kit. These checks have a low introductory promotional rate.

Note:  The special rates only apply to the first three convenience checks and only if they are used within the first six months after opening an account.

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 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.

If your card was issued after July 28, 2006, you can dispute a charge online by logging into Wachovia Online Services. To dispute a charge online:

1. Go to wachovia.com
2. Enter your User ID and Password to login to your online account
3. Select the Customer Service tab
4. Click the Dispute or Inquire About a Transaction link in the Account 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.

If you card was issued before July, 28, 2006, please call (800) 655-1491, 24 hours a day, seven days a week.

If your card was issued after July 28, 2006, 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.

If your card was issued before July 28, 2006, please contact (800) 655-1491, available 24 hours day, seven days a week.

If your card was issued after July 28, 2006, please call (866) 201-5702, 24 hours a day, seven days a week to add or remove an authorized user to your account. If your card was issued before July 28, 2006 please contact (800) 655-1491, 24 hours a day, seven days a week.

If your card was issued after July 28, 2006, please call (866) 201-5702, Monday through Friday, 8:00am to 6:00pm EST, to request a credit line increase. Otherwise, please call (800) 655-1491, 24 hours a day, seven days a week.

If your card was issued after July 28, 2006, 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. Otherwise, please call (800) 655-1491, 24 hours a day, seven days a week.

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

1. Go to wachovia.com
2. Enter your User ID and Password to login
3. Select the Customer Service tab
4. Click the View Card Rewards link in the Account Services section
5. Login to Wachovia Possibilities Rewards

You can also call (888) 440-7000, 8:00am to 8:00pm ET, Monday through Saturday for any questions on rewards.

To view all of the rewards that you can redeem with your Wachovia Possibilities Rewards^® points, you may login at www.wachoviapossibilities.com or you may follow the steps below to login to Wachovia Online Services:

1. Go to wachovia.com
2. Enter your User ID and Password to login
3. Select the Customer Service tab
4. Click the View Card Rewards link in the Account Services section
5. Login to Wachovia Possibilities Rewards

You can also call (888) 440-7000, 8:00am to 8:00pm ET, Monday through 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.

You can continue to make credit card payments in a Wachovia Financial Center if your card was issued after January 3, 2006. However, if your card was issued prior to January 3, 2006, payments can be made only up to the time that the card is transitioned from Wachovia to MBNA. After that time payments must be mailed directly to the address on your payment coupon or you may call the number on the back of your card to discuss payment options.

You will need to apply for and set-up recurring payments or autopay with your new Wachovia Credit Card before you cancel your existing Wachovia Credit Card. To set up recurring payments or autopay with your new card, contact all companies that are set-up for recurring payments or autopay and give them your new card information. 

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.