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Commerce Bank

Established Contributor

Re: Commerce Bank


Hkhann wrote:
Congrats for nice SL.
Prequal comes
By mail only?
You can't check only if there is any offer?
And do they serve only specific areas ?
Thanks

They are mainly in the Midwest but anyone can apply for there cards regardless where u live.

Message 11 of 26
Valued Contributor

Re: Commerce Bank

This card interests me. I wish I could find more info on it. Has not been mentioned much on here or on the googles for that matter.
FICO 08: TU= 786 (Dec) EQ= 774 (Dec) EX= 756 (Dec) Favorites: Discover It, Discover Miles, And U.S. Bank Cash+
Message 12 of 26
Super Contributor

Re: Commerce Bank


Djgrolyos wrote:
This card interests me. I wish I could find more info on it. Has not been mentioned much on here or on the googles for that matter.

In the past they had some very interesting customer service challenges (incompetence would just scratch the surface). In my case, I walked away. That was a few years back so maybe things have changed.

Starting Score: 807
Current Score: 828
Goal Score: 850


Take the myFICO Fitness Challenge
Message 13 of 26
Valued Contributor

Re: Commerce Bank

Lmao@Dino.... "incompetence would just scratch the surface"

That made my morning.
FICO 08: TU= 786 (Dec) EQ= 774 (Dec) EX= 756 (Dec) Favorites: Discover It, Discover Miles, And U.S. Bank Cash+
Message 14 of 26
Established Contributor

Re: Commerce Bank

They are bombarding my mailbox with offers from commerce. Yesterday got one for 0% on purchases and balance transfers for 18 months. Decent offer and might give it a shot.

Message 15 of 26
Established Contributor

Re: Commerce Bank

The categories change every quarter, Jan to March was 2% on Restaurants/Fast Food and 3% on Phone, Cable, and Internet. April to & June it's 2% Home Improvement, Lawn & Garden and 3% Child Care & Insurance. Jul to Sep is 2% Gas Stations, Ride Sourcing & Taxis and 3% Schools & Education and Oct to Dec is 2% Grocery Stores & Pharmacies and 3% Health Clubs/Fitness & Charities. You do have to go into the Rewards Portal to activate the categories. 
My DW has the card I'm not auth on it yet so I don't follow his spend too much on it.

Fico 8 starting scores 09/27/15 EQ: 646 TU: 622 EX: 668 5 collections 1 PR reporting across the board
Scores 06/30/16 EQ: 685 TU: 699 EX: 695 1 collection now reporting on EQ and EX and 1 PR on EQ
Current scores 11/4/2016 EQ 688 TU: 705 EX: 736 No collections no PR/Judgements Finally Clean
Message 16 of 26
Frequent Contributor

Re: Commerce Bank

I heard they were inq sensitive but others have said they aren't. I applied yesterday for one of their cards and they pulled TU this morning...775TU 5% untilization and 17 inqs...the inqs have me worried Smiley Sad hoping my high score will over come that.

Message 17 of 26
Established Contributor

Re: Commerce Bank

Which card did u apply for happyman?
Message 18 of 26
Valued Contributor

Re: Commerce Bank

Happy man, I wouldn't worry about the inq.... I have 4x as many as you do and was just approved for $15k with lower scores as well
Chasex3/PenFedx3/NFCUx2/BofA/BMO/AMEX x5(4 revolvers +Platinum)/CapOnex2/DCU/Blispay/Cabelas/BBVA/Fifth Third/Banco de Brazil/BB&T/HSBC/Atira/Commerce Bank/State Farm Visa........I have them all. Except Barclays. They suck. And Sync. They suck worse! And Citi,, because I Have 9,000 Inq.
In the 520-530 range in 12/2015.... Currently EQ747/TU758/EX744
NFCU & PenFed are my best friends!!

In 3/2016 I had a $1800 fully secured CapOne QS. And that was it.. Current CL $247,000 (plus my auto and RV loans)
Message 19 of 26
Frequent Contributor

Re: Commerce Bank


bigpoppa09 wrote:
Which card did u apply for happyman?

I can't remember the exact one but it's the rewards card that offers the 150 sign up offer after spending 500...rewards aren't great but wanted in with the bank.

Message 20 of 26