Credit Card Center Advertiser Disclosure

Established Contributor
Posts: 586
Registered: ‎03-03-2009
0 Kudos

Re: Feeling the US Bank luv

How do you feel about BOA?
Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
0 Kudos

Re: Feeling the US Bank luv

YoungEntrepeneur wrote:
How do you feel about BOA?

Personally, I don't like them as a credit card provider, I have made no secret of that but there are tons of people who would jump to defend them and say all kinds of good things about them. But ultimately keep in mind that anyone's opinion of a bank is just that, THEIR opinion and everyone's condition is different and how they are treated is different so no one say with 100% certainty that a bank is one or the other, its all anectodal. With banks like HSBC or Crapital One, there is just SO MUCH evidence that it becomes pretty well agreed but with Amex, Chase, BofA, there is little to no consistency other than the fact that they screw their people for no reason and with little notice and that's about it, not too much else has consistency of agreement. Some would say Amex is great, they are getting nice rates, nice CLs but then others would swear they are scum, balance chasing, cutting limits, increasing rates, who do you believe? depends on the circumstance and how closely you match which side. So on and so forth. On occassions banks like US Bank end up being those hidden jems that most people would say nice things about becuase they have not shown to screw people, but hell even with that only time will tell. Even the bad ones didn't start screwing people on day one. Although USB is unlikely to turn bad, its pretty safe to assume on them.

Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800

Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: Feeling the US Bank luv

I'm worried about BofA's and Citi's financial future. I love my BofA card (just checked; CL still there!!), but I don't know that I'd try to get on with either of them for a month or two, until we have a better feel for how they're going to come through their current mess.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 169
Registered: ‎02-29-2008
0 Kudos

Re: Feeling the US Bank luv

It's funny; BofA sent me tons of pre-approved, large credit lines that I never acted on.  Then my Juniper card merged to BofA and they gave me a measily $1K line (Juniper card was previously at a $10k limit).  I haven't used this much, I just buy some stuff and pay off to see if I can gain their trust.  Not really feeling the love but then again, maybe they did this to all the Juniper crossovers  ??
We gave up the fight and filed BK in 2010. Smiley Sad

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.