The Home Projects "VISA" from Wells Fargo is not the same as the traditional retail VISA. It can be used up to your credit line with the sponsoring merchant who got you the card. In my case, this was EP Henry.
The card can also be used, up to your credit limit, at other merchants who also participate in this program. Wells Fargo will not divulge who those are, but confirmed that Home Depot, Walmart and Lowes do not participate as a sponsoring merchant. However, the card usually reserves a portion of its limit for regular Visa use. This amount likely depends on your credit rating and overall limit. In my case I have an $8000 limit for Sponsored home projects, and up to $1600 of that limit I can use anywhere Visa is accepted. The interest rate for home projects is set by the sponsor and is usually much better than the basic rate for other purchases. So, I prefer not to use this as a regular Visa.
As such, the card has limited use and should not be considered on par with a home equity line of credit. It is essentially a marketing tool for home improvement vendors to use to help a sale along. Wells Fargo has atrocious customer service and homeowners should think twice before getting in bed with them.
If you do already have a Home Projects card and need to find vendors that will accept the card in your area. Go to wellsfargo.com/usemycard. Make sure you Inform the vendor that you plan to use this card as your form of payment. tell them also to make sure the technician that comes to your home is aware of the procedures needed to process the payment, as i know from personal experience, just trying to pay for work you have had done can sometimes be very difficult. also note that many times if the payment is not processed by 5:00 pm. (Central time) you may not be able to pay at all and weekends are completely out of the question.
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