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mphan
Posts: 94
Registered: ‎02-02-2009
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Bed Bath & Beyond MasterCard (U.S. Bank)

I got an offer in the mail today. By looking at their website (U.S. Bank) I can tell this is one of the best cards they have. Does this card worth an INQ?

 

I don't shop at Bed Bath & Beyond but I'm sure my mom and sis do.

 

http://www.usbank.com/cgi_w/cfm/credit/bedbath/usb_bbb.cfm

 

 Bed Bath & Beyond MasterCard

  • 5 Points per $1 spent at Bed Bath & Beyond
  • 1 Point per $1 spent everywhere else
  • $10 Reward Card for every 1,000 points
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In 1900, if a father put a roof over his family's head, he was a success.
Today, it takes a roof, deck, pool, and 4-car garage. And that's just the vacation home.
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YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)

If you don't shop there, it's not worth applying for it and wasting an inquiry. You're better off with a cashback from U.S. Bank if you want to get your foot in the door with them.
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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)

I agree. Too many of my cards are co-branded (store + Visa, MC, etc.), and they can't be product changed, which is very common with co-branded cards. I wish I'd gone for the straight bank cards instead.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)


haulingthescoreup wrote:
I agree. Too many of my cards are co-branded (store + Visa, MC, etc.), and they can't be product changed, which is very common with co-branded cards. I wish I'd gone for the straight bank cards instead.

Depends on the issuer and YMMV, but for the most past you are correct.  I haven't encountered problems switching products with Chase's co-branded cards, but I haven't had any luck with HSBC's GM Flex Rewards MC.

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haulingthescoreup
Posts: 28,115
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)

[ Edited ]

FaircreditguyFL wrote:

haulingthescoreup wrote:
I agree. Too many of my cards are co-branded (store + Visa, MC, etc.), and they can't be product changed, which is very common with co-branded cards. I wish I'd gone for the straight bank cards instead.

Depends on the issuer and YMMV, but for the most past you are correct.  I haven't encountered problems switching products with Chase's co-branded cards, but I haven't had any luck with HSBC's GM Flex Rewards MC.



Yes, I was trying to say that my co-branded cards can't be changed. I tried to clarify that in the next phrase, but I think I should have just re-done the whole post! :smileyvery-happy: (That's one of the reasons I have so many deleted posts.)

eta: I can't get Chase to swap my Borders Visa for love nor money. :smileytongue:
Message Edited by haulingthescoreup on 03-29-2009 04:14 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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mphan
Posts: 94
Registered: ‎02-02-2009
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)

 


YoungEntrepeneur wrote:
If you don't shop there, it's not worth applying for it and wasting an inquiry. You're better off with a cashback from U.S. Bank if you want to get your foot in the door with them.

 

My mom shops there. I'll add her as an AU.

 

Just got an email few minutes ago. My app was approved. EX score is 712.

---------------
In 1900, if a father put a roof over his family's head, he was a success.
Today, it takes a roof, deck, pool, and 4-car garage. And that's just the vacation home.
---------------
Contributor
mphan
Posts: 94
Registered: ‎02-02-2009
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)

Just received the card. CL is $4000.:smileyvery-happy: APR is 12.24%.
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In 1900, if a father put a roof over his family's head, he was a success.
Today, it takes a roof, deck, pool, and 4-car garage. And that's just the vacation home.
---------------
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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)


mphan wrote:
Just received the card. CL is $4000.:smileyvery-happy: APR is 12.24%.

You're going to have a very happy mom! :smileyvery-happy:

--congrats
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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cartercorp
Posts: 851
Registered: ‎07-01-2008
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Re: Bed Bath & Beyond MasterCard (U.S. Bank)


mphan wrote:
Just received the card. CL is $4000.:smileyvery-happy: APR is 12.24%.

 

Wow!!!! $4000  way to go.

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