@TiggerDat wrote:
@Anonymous wrote:
@TiggerDat wrote:So why does their site even offer the Contour card when you go there to prequal. It is not a credit card!
The same way AMEX suggests the Serve when you don't prequal for anything?
I always saw it as a not so subtle "Come back when you got two nickels to rub together."
I have to laugh at it because I have 600,000 nickels to rub togethers. I think I have just about every major lenders cards. (BofA, Citi, Amex, Disc, FNBO, Barclay, Elan - their sister, etc., etc.) I have a 714 FICO score and they won't prequal me for anything but a Contour card?? I think that in some ways they are the strictest credit card company! Maybe I just have to wait for the Elan card to age, or maybe they have an agreement with their 1600 partner banks they won't solicit or offer you anything if you have an Elan card?
Who knows. They won't offer me a glass of water in a hurricane either. I'm not worried about it 
@ArmyVietVet wrote:
@lg8302ch wrote:
@ArmyVietVet wrote:A suggestion if you are near a US Bank Branch is go in and see a Personal Banker. Since I have read US Bank can be all over the place on pre-quals and issuing the lower tier cards, I wanted a Personal Banker to support my app. Have used the US Bank Personal Banker for every product I wanted rather than by telephone, online or chat. Success rate is 100%. Got a US Bank Premier Plus Line of Credit (comes with a US Bank Platinum Credit Card with best Apr rate), two US Bank Reserve Lines of Credit, US Bank Cash+ Visa Signature (NPSL) and an US Bank Affinity Visa Signature (NPSL). Also set up checking, savings and other investment vehicles over a one year time frame. Got the best interest rates and Aprs. I mention all this as prequals had me rated for higher Aprs and the banker called the different credit centers and discussed my case. In my mind, it made a difference. At least it is food for thought should you get hungry.
Thanks ...I would love to do that but I am unfortunately thousands of miles away from a US Bank branch 😟
Yes, then the personal approach would not be realistic.
That's too bad. I was going to +1 it but I guess have to qualify it.
If you have a US Bank branch nearby, go into the branch to talk credit cards. The tellers are able to handle your app and answer questions.
Writing any message on the envelope... the problem with that is, the mail room would discard the envelope as soon as it goes through the sorter and whatever machine de-envelopes the contents.
