The content is accurate at the time of publication and is subject to change.

Yes, you need to unfreeze your credit report before applying for new credit, such as a loan, credit card, or mortgage. If your credit is frozen, lenders won't be able to access your credit report.

Before applying for the Wells Fargo Active Cash® Card, you'll need to contact each of the three credit bureaus, Experian, TransUnion, and Equifax individually, as a freeze at one bureau doesn't affect the others. You can unfreeze your credit report online through your accounts, over the phone, or by mailing the correct documentation. Calling or using online services is generally the fastest way to lift the freeze, often within an hour. You'll likely need to provide your name, address, date of birth, and Social Security number for verification. You can also temporarily lift the freeze for the specific duration needed for your application.

Having a mortgage with the Wells Fargo bank can actually increase your chances of being approved for the Wells Fargo Active Cash® Card, as they already have a good understanding of your financial behavior and credit history. Please note that while having a mortgage with a bank can be advantageous, it's not a guarantee of approval. Your overall creditworthiness, income, and debt-to-income ratio will still play a significant role in the decision.

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.