Elan Financial Services/ Elan Card

[thebostonredsox]

My local bank in Mass offers credit cards with very competetive rates, through Elan Financial Services. Does anyone know who they are and which CRA they pull?

[user5387]

Elan = US Bank

[thebostonredsox]

I did not know that - Any idea who they might pull?

[navigatethis12]

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@user5387 wrote:

Elan = US Bank

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True.

How long have you been a member of the bank? I use a bank through them and after a few months I started getting offers and after a few more months I started getting offers for $200 after first purchase, which I took as research showed they didn't go higher. They softed for the offers and hard pulled TransUnion when I applied, but it may differ for you.

[thebostonredsox]

I just moved my accounts to them recently. I was browsing their web-site when I noticed their credit card program.

[user5387]

I got a Cash+ card the other day, and they pulled EX in Colorado.  I expect it varies based on where you live.

I think I'd rather go with US Bank directly, either Cash+ or FlexPerks Travel, and not bother with Elan.

[navigatethis12]

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@thebostonredsox wrote:

I just moved my accounts to them recently. I was browsing their web-site when I noticed their credit card program.

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Well if you aren't dying to have one of their cards, I suggest waiting to see if you get any offers. I received multiple offers from Elan and US Bank and was approved for the same limit on each when I responded and all had better bonuses and introductory 0% than the standard offers.

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@user5387 wrote:

I got a Cash+ card the other day, and they pulled EX in Colorado.  I expect it varies based on where you live.

I think I'd rather go with US Bank directly, either Cash+ or FlexPerks Travel, and not bother with Elan.

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Elan isn't anything special really. They do give 1.25% or 1.50%(annual fee of 49 I believe) and US Bank doesn't so that's good. The Cash+ is good though, so that beats them.