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Regular Contributor
thebostonredsox
Posts: 146
Registered: ‎08-27-2008

Elan Financial Services/ Elan Card

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?

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Valued Contributor
user5387
Posts: 1,794
Registered: ‎07-01-2010

Re: Elan Financial Services/ Elan Card

Elan = US Bank

 

Regular Contributor
thebostonredsox
Posts: 146
Registered: ‎08-27-2008

Re: Elan Financial Services/ Elan Card

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

Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: Elan Financial Services/ Elan Card


user5387 wrote:

Elan = US Bank

 


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.

Regular Contributor
thebostonredsox
Posts: 146
Registered: ‎08-27-2008

Re: Elan Financial Services/ Elan Card

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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Valued Contributor
user5387
Posts: 1,794
Registered: ‎07-01-2010

Re: Elan Financial Services/ Elan Card

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.

 

Valued Contributor
navigatethis12
Posts: 1,881
Registered: ‎01-24-2012

Re: Elan Financial Services/ Elan Card


thebostonredsox wrote:

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


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.

 


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.

 


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.


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