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UU.  pueden  darle  una  opción  sobre  cómo  convertir  la  transacción  con  Tarjeta  de  Crédito  en  dólares estadounidenses. Pueden hacer que usted elija si desea que Visa o el comercio hagan la conversión. Si usted elige que el comercio la haga, este determina el tipo de conversión, no Visa. 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$40","recordId":null,"recordFields":[],"fieldKey":"fee:late_payment:1"}],"feeType":"late_payment","feeFrequency":"event_based","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_disclosed","percentBps":null,"percentNullReason":"not_disclosed","minimumAmountCents":null,"maximumAmountCents":4000,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"amount_only","explanation":"Cada vez que no recibamos el Pago Mínimo requerido a más tardar en la Fecha de Vencimiento del Pago\n\nCuota Anual Cargo por Pago Atrasado Cargo por Entrega Rápida de Tarjeta"},{"effectiveFrom":"2025-12-31","effectiveTo":null,"lastObservedAt":"2026-09-06T02:08:45.690Z","sources":[{"snapshotId":"27164","sourceKind":"government_dataset","publisherName":"Consumer Financial Protection 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The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"8611dc1a179c9ba9fff576c2ef3f6b3d","pageNumber":20,"quote":"Si se le cobran intereses, el cargo no será inferior a $1.00.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:minimum_finance_charge:page:20"}]},{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:purchase_interest_conditions:page:20","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"247a62b0724ac5f43333aa7ca2a01869","pageNumber":20,"quote":"Su fecha de vencimiento es al menos 25 días después del cierre de cada período de facturación. No le cobraremos intereses sobre las compras si usted paga la totalidad de su saldo cada mes a más tardar en la fecha de vencimiento.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:card_terms:purchase_interest_conditions:page:20"}]},{"observationKind":"card_offer","fieldKey":"disclosure:grace_period:purchase:page:20","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"247a62b0724ac5f43333aa7ca2a01869","pageNumber":20,"quote":"Su fecha de vencimiento es al menos 25 días después del cierre de cada período de facturación. No le cobraremos intereses sobre las compras si usted paga la totalidad de su saldo cada mes a más tardar en la fecha de vencimiento.","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:grace_period:purchase:page:20"}]},{"observationKind":"card_offer","fieldKey":"disclosure:fee_reference:balance_transfer:per_transaction:table:4:row:1:page:9","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"df6dd0bf9666d437356fc6580541aff9","pageNumber":9,"quote":"En una transacción de Transferencia de Saldo","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:fee_reference:balance_transfer:per_transaction:table:4:row:1:page:9"}]},{"observationKind":"card_offer","fieldKey":"disclosure:fee_reference:cash_advance:per_transaction:table:4:row:2:page:9","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"4e0fa14c42bda8b4d03b5c3465a14bd1","pageNumber":9,"quote":"En un Adelanto en Efectivo desde su Cuenta","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:fee_reference:cash_advance:per_transaction:table:4:row:2:page:9"}]},{"observationKind":"card_offer","fieldKey":"disclosure:fee_reference:foreign_transaction:per_transaction:table:4:row:3:page:9","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"6d23df8edf2edf917a5bbb92bbd00308","pageNumber":9,"quote":"Si usted realiza una transacción en una moneda extranjera y Visa la convierte a un monto en dólares estadounidenses","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:fee_reference:foreign_transaction:per_transaction:table:4:row:3:page:9"}]},{"observationKind":"card_offer","fieldKey":"disclosure:fee_reference:late_payment:event_based:table:4:row:4:page:9","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.","sources":[{"snapshotId":"19373","sourceKind":"official_issuer","publisherName":"Wells Fargo Bank, National Association","capturedAt":"2026-08-23T23:26:06.602Z","effectiveOn":"2026-08-23","effectiveOnBasis":"page_capture","statistic":null,"documentPath":"wells-fargo/contrato-de-cuenta-de-la-tarjeta-wells-fargo-advisors-by-invitation-2026-07","documentTitle":"Tarjeta Wells Fargo Advisors by Invitation Visa Signature","publicUrl":null,"passageId":"931666090c702546adbfa2ebd89b4a84","pageNumber":9,"quote":"Cada vez que no recibamos el Pago Mínimo requerido a más tardar en la Fecha de Vencimiento del Pago","recordId":null,"recordFields":[],"fieldKey":"withheld:card_offer:disclosure:fee_reference:late_payment:event_based:table:4:row:4:page:9"}]},{"observationKind":"card_offer","fieldKey":"disclosure:card_terms:minimum_finance_charge:page:20","reason":"unparsed_value","detail":"This agreement passage is retained verbatim. 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