Hey Forum. Bring on Spring.
Yesterday i find in the mail only my 2nd ever prequalify type offer from US Bank in the green Kroger type card. Some of you know the one, with the 0% 9 month deal & .25 cents off Kroger affiliate gas stations for 3 months then only a nickle off after. All offers i ever get by mail were Preapprovals which when accepted are instant approvals.
I don't think i really want to add yet another card, since in the last 60 days Part 2 of my App Spree has been very potent with (3) prime bank lines added, including a first 5K SL for me as well as (2) massive SL store cards.
Am i right to exercise full restraint right now since i've placed myself in Full Lockdown mode deliberately?
And besides, i'm not at all as comfortable with a Prequalify offer compared to Preapproval offers that always resulted in an instant approval.
Of course who wouldn't mind padding an already low Util. but even if my current scores support it now, IMHO, one more TL to an already tanked AAoA at this point would all but padlock any approval chances for at least a year.
Is this a test dry run by US Bank to see if i bite?
You are right, don't let US Bank tempt you, stay strong in lockdown mode.
Magic- I'm not impressed with the Kroger card at all and I'm pretty sure I live in your part of the woods. It's only maximized if you buy their brands. The BCE/BCP, Sallie Mae and even QS give much better rewards. I'd certainly hold off on that one if it were me. I like US Bank and all but the rewards on that card are not impressive. I'd save the HP.