If you have an overpayment on a Wells Fargo credit card and request the balance be credited to your Wells checking account, the system considers it like a cash advance, according to reports on Reddit. Apparently, their system does not differentiate between cash transfers from a credit card versus overpayment transfers, and just considers both to be liable for a cash advance fee.
It’s likely that other overpayment reimbursement methods, such as requesting a check, will not result in the cash advance fee, but worth keeping in mind if you bank with Wells Fargo and use their credit cards.
