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Recieved new REI card, but found a mailer for 0% intro APR

Established Contributor

Recieved new REI card, but found a mailer for 0% intro APR

Last week I applied for a new REI Visa Signature card from USBank. Got a decent CL of $6k and the card came in the mail earlier this week. Today I was looking through last week's junk mail and I found a pre-approval letter from REI Visa for a 12 month 0% intro apr. GRRRRR! 

 

CSR suggested I fax the mailer to the underwriting department with my new account number attached. They "may" grant me the 0% APR.

 

I think I'll call the backdoor underwriter number in the morning first.

 

Anyone ever backdoor their way to a 0% apr like this?


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 1 of 11
10 REPLIES
Senior Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

Thats excellent!!!! my dad and sister have found that US Bank is an excellent bank! You will most likey receive that 0% APR! Congrats!!!!!

Message 2 of 11
Established Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

Do you mind me asking what your FICO scores are? Any baddies? I'm a TOTAL REI junkie and would love this card but I'm afraid to apply, get a ding, and be turned down. 



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Message 3 of 11
Valued Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

Hope you can get the 0% APR promotion retroactively applied.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 11
Established Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

When they pulled my TU it said 726 which I've NEVER seen in any of my credit report pulls, FAKO, VANTAGE, PLUS, whatever.....one 30 day late from 2010 for Macys (I was on vacation). A verizon lien for $122 on my equifax from 2010 that has been paid.

 

I recon'd the application too after I got the dreaded 7 to 10 day message. USBank CSR and UW are very pleasant to talk to.

 

I'm hoping they apply the 0% retroactively. I've got my eye on a nice new Cannondale CAADX. Smiley Happy


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 5 of 11
Senior Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

But yes US Bank has great customer service, Congrats on approval and CREDIT LIMIT thats a great credit limit to start with.

Message 6 of 11
Senior Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR


NJTurnpike wrote:

Last week I applied for a new REI Visa Signature card from USBank. Got a decent CL of $6k and the card came in the mail earlier this week. Today I was looking through last week's junk mail and I found a pre-approval letter from REI Visa for a 12 month 0% intro apr. GRRRRR! 

 

CSR suggested I fax the mailer to the underwriting department with my new account number attached. They "may" grant me the 0% APR.

 

I think I'll call the backdoor underwriter number in the morning first.

 

Anyone ever backdoor their way to a 0% apr like this?


Yes.  It wasn't US Bank, it was a local credit union...but shortly after applying and being approved for a card last year, I called and asked what promotions they had for balance transfers...got 12 months @ zero percent.  Smiley Happy


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 7 of 11
Established Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

Update: I talked to UW over at USBank and they forwarded me to customer service. The CSR said that they would in all likelihood honor the 0% offer. I just had to fax them the offer letter and a cover sheet explaining the situation including the last four digits of my new REI visa.

 

Incidently, as a result of applying for this card, I also bought a new REI membership not realizing I already had a membership at REI. the offer letter had my old membership number and went to an old address. The CSR over at REI had no problem merging my two memberships into the newer membership number to match with the associate visa. Additionally they are refunding the cost of one of the memberships.

 

I love REI!


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 8 of 11
Established Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

Just confirmed that my APR is 0% through May 2014!

 

<Happy Dance>


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 9 of 11
Senior Contributor

Re: Recieved new REI card, but found a mailer for 0% intro APR

yay u! Smiley Happy


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 10 of 11