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US Bank Prequalification

Established Contributor

US Bank Prequalification

Hey guys,

 

I checked my offers on the US Bank site and it says I'm approved for their Business Edge card.

 

1- Can anytone tell me what bureau does US Bank pull? I've heard Transunion.

 

2- Do they report business on personal?

 

3- Also, how about SL? My personal FICO on TU is currently 761 and will be more like 780 this week due to lower utilization.

 

Thanks,

 

Uncle Money

4 REPLIES
Valued Contributor

Re: US Bank Prequalification

I received a prequal offer for the Business Edge card a couple of months ago.  The offer was for $500 bonus for $4.5k spend within 5 months, then another $250 bonus with $2k spend in the next 3 months.  They did pull Transunion and it has not reported to personal (I've had the card a little over a month).  I got a starting limit of $25k, which I believe is quite generous given my business profile, I was pretty surprised actually.  My TU is a little lower than yours.

 

Overall, very happy with US Bank so far on this card.  It has me looking at potentially getting the Club Carlson Business card sometime down the road.

Regular Contributor

Re: US Bank Prequalification


happypill wrote:

I received a prequal offer for the Business Edge card a couple of months ago.  The offer was for $500 bonus for $4.5k spend within 5 months, then another $250 bonus with $2k spend in the next 3 months.  They did pull Transunion and it has not reported to personal (I've had the card a little over a month).  I got a starting limit of $25k, which I believe is quite generous given my business profile, I was pretty surprised actually.  My TU is a little lower than yours.

 

Overall, very happy with US Bank so far on this card.  It has me looking at potentially getting the Club Carlson Business card sometime down the road.


 

How many inquries did you have in the past 12 months before you applied?

"I know the human being and fish can coexist peacefully. " - GWB
Valued Contributor

Re: US Bank Prequalification

I tend to run around 12 inquiries over 24 months, but US Bank approved $12k to start.
I was going to garden... Honest!
Valued Contributor

Re: US Bank Prequalification

They say I'm pre approved as well but I used to always be denied with a 720 now that I'm in the 760's I haven't given them a shot.