Good CC that pull TU? Thnking of US Bank, any thoughts?

[Anonymous]

Hi,

I've been working very hard on my credit files for about 4 years.

TU 767

EQ 769

My files are clean, my oldest account is only 5 years, and my AAoA is 3. My util is 8%.

I had some older accounts in good and bad standing, but they have aged off beyond the 10 year mark.

I currently have a Crap 1 card that has only seen one cli in 3 years, it is stuck at 1500.

I have 2 chase cards, one is 2500, and the other is 6300. Both have a ridiculous APR of 19%

I have really been looking at US Bank, they have been sending me invites on a regular basis. Can anyone shed some light on their service, and the average apr? Not to mention, Starting CL?

[android01]

I'm pretty sure that US Bank almost always pulls EQ.  Barclays almost always pulls TU.  I've been a US Bank customer for 20 years, and have nothing but good things to say about them.  Very good customer service.  The average APR is around 15%, and their starting CL's are decent.  Your stated scores and history are good enough to get in the door with them, for sure, but I wouldn't venture to say what kind of CL they'd give you.  My best guess would be 5000+.

[andre181]

US Bank typically pulls TU if you live in the midwest, but on the coasts, they usually pull EQ.

My scores are below, and they approved me for $7500 CL on the Flexperks Select card for which I got a preapproval in the mail, which at the time was my highest CL. They are good IMO!

[Imhotrodcrazy]

I live in So Cal and US Bank pulled EX for me.  They have been an excellent bank over the years.  I have their FlexPerks and Platinum cards.  Rates  are 7.24 and 9.25%.  They started me off with both lines of credit in  the 5 figures.  Customer service has been outstanding.   Good luck to you. 

[Anonymous]

hmmm. Most, if not all on Whogavemecredit are reporting a TU pull.

I have not applied for anything in 2 years. Today I decided to apply for this card and I was declined. I live in Texas, so Im not sure what CRA was used. I have a freeze on my equifax, and experian. I suspect they pulled EQ, or tried to anyways and nothing came back. I will call them tomorrow and find out what happened.

If they pulled TU and declined me with my current score, then I give up on every trying to app for anything again. I have more credit than I need atm, but I would like better cards with better rates.

[Imhotrodcrazy]

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@Anonymous wrote:

hmmm. Most, if not all on Whogavemecredit are reporting a TU pull.

I have not applied for anything in 2 years. Today I decided to apply for this card and I was declined. I live in Texas, so Im not sure what CRA was used. I have a freeze on my equifax, and experian. I suspect they pulled EQ, or tried to anyways and nothing came back. I will call them tomorrow and find out what happened.

If they pulled TU and declined me with my current score, then I give up on every trying to app for anything again. I have more credit than I need atm, but I would like better cards with better rates.

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Don't let this slide.  I would certainly call and find out why you were declined, especially with your scores.   I have always been treated well by their customer service, so give it a try.  Keep us posted.  Good luck to you when you call. 

[android01]

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@andre181 wrote:

US Bank typically pulls TU if you live in the midwest, but on the coasts, they usually pull EQ.

My scores are below, and they approved me for $7500 CL on the Flexperks Select card for which I got a preapproval in the mail, which at the time was my highest CL. They are good IMO!

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I live in MN, and they pull EQ. YMMV!  

[Anonymous]

They pulled EQ according to CSR, so since nothing came back they where unable to process the app. I told her she could try transunion, and she said they have no control over that.

Darn freezes, I did that a long time ago to protect me from myself. lol Now I don't have a clue as to what the lift password is. Guess I will have to contact them.