12-07-2012 12:02 PM
So just to clarify, from what I understand you can open a US Bank checking account, and when you do if you are preapproved, they may offer the LOC without a HP?
I've been thinking about signing up for the gold package since its free. So if I do, there is no HP for the checking account and since I've been a good US Bank credit card customer for 2 years with lates or derogs on CR, I might be eligible for the LOC, and not have an HP for that either?
If that's the case, I'm going down there on Monday
Oh, and one more question: do they need verification of income for the LOC?
12-07-2012 01:04 PM
I called them to apply over the phone this morning and it was instantly approved pending upon manual review. It was HP. They didn't see any pre-approval. They have to look at how much they're going to approve. They also called my Gold Checking has been opened and they will be sending out checks and check card within a couple of days. I like the customer service and it is a lot better than BofA.
12-07-2012 07:49 PM
I have also requested them to convert my existing checking account into Gold Package recently, and they did it on the same day. No inquiries.
12-10-2012 02:45 PM
I called them to check the status of the application and it was approved. The credit limit is $4000. It already showed on the online banking. Thanks for everyone help.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.