Hows US bank offers are reliable?

[orestrus]

I use to get only their debit card, but today US bank cash rewards visa came up.

with 0 APR for 15 months and no pre set APR thereafter. Is this reliable?

[orestrus]

Anyone?(

[Anonymous]

If it shows you a firm APR, generally speaking it's a good prequal.  If it shows a range APR it's just a recommendation and not a prequal.

Note: nothing is guaranteed, but firm APRs are more indicative than range APRs.

[orestrus]

Im confused, i use to get only their debit card..

[CreditCuriosity]

Pre-Qual site isn't reliable... I got a firm offer recently in the mail for the Cash Rewards card pre-approved not pre-quaified with the opt-in/out notice since I bank with them and saying blah blah blah they value me, if they valued me they should of sent me the Cash+ pre-approval!!!  Then I would of applied.  If you get a mailer with set apr% and opt-in/out then pretty reliable, site not so