bs6054 wrote:
Dustink wrote:Just want to make clear that US Bank is a decent company with fair products. As long as you are responsible with your credit, they will not close your account.
Well, decent and fair for a modern bank, for example:
http://www.startribune.com/business/161158595.html
?refer=y $55M settlement for cheating on overdraft fees, June 2012 http://phx.corporate-ir.net/phoenix.zhtml?c=117565
&p=irol-newsArticle&ID=1771845&highlight= $80M for mortgage abuse, Jan 2013
Yes, small compared to HSBC, Barclays and Bank of America recent fines, but, except in context, not sure "decent" would apply.
I think all of the large banks have been involved in a suit. So yes, they are decent and fair. They have never charged me a fee of any kind. They have even reversed government imposed fee's on my accounts from such things as "reg d".
They gave me good limits when I had no credit score yet. Then when I had a score they gave me a great card.
I have opened lots of new accounts and had many INQs on my credit reports, they have never threaten or imposed AA.
To me they have nice rewards on their top tier cards. These card are easily obtainable, assuming you have prime credit. I earn 3% on general spending, 5% on gas, grocery or travel, 5% on cell phone, and 7% on charitable giving. All for a $49 AF that is waived with $2k monthly spend. $25 incidental credit on award travel.
The cash+ card is pretty good to.
OP, if you want one of their cards again. Just garden for a year, make sure your reports are clean. You will be able to get back in with them.
I would not recommend the card you used to have. It doesn't have a rewards program. That kinda defeats the purpose of a credit card in my opinion.
jake619 wrote:
creditnocash wrote:unless your on the mobile site.
and then at the bottom of the mobile site is the link to the full site... no excuses.
lol you get hung up on that.
to me personally even on an iphone 5 screen its a pain to have too zoom in and click quote. the mobile site is much more organized.
if i have to type out a long response though ill just wait till i get home and do it on the laptop.
- last edited on by
Shogun
astritaho1979 wrote:ops sorry.Let me see how do i get that to work.Like i said i am not very familiar with this forum as i just sign up 2 months ago
creditnocash wrote:
astritaho1979 wrote:hold on a sec.Is that why everyone here acting so confused?Is that something i need to use in reference
see that was easy.
unless your on the mobile site.
everyone is so confused because you don't use the quote button, so we have no idea who your responding too.
says you joined 10-2-2011.
dont tell me that was reported wrong too.
Edited by Shogun, myFICO moderator
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
