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Regular Contributor
Posts: 148
Registered: ‎08-27-2008
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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?

Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010
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Re: Elan Financial Services/ Elan Card

Elan = US Bank

 

Regular Contributor
Posts: 148
Registered: ‎08-27-2008
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Re: Elan Financial Services/ Elan Card

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

Valued Contributor
Posts: 1,972
Registered: ‎01-24-2012
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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
Posts: 148
Registered: ‎08-27-2008
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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.

Valued Contributor
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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.

 

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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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