Hmmmm, both!!
You know I just got these cards/accounts. US Bank is my primary bank. Got a $10K Visa and 2 wks later, got a $15K Premier LOC. I really like how that LOC is setup.
It's like I have a separate checking account with $15K sitting in it to be used at my discretion. I'll be getting checks for the LOC account, along with another VISA card....that's my understanding anyway.
I can transfer money from the LOC to my primary checking account if I ever had to. That's a nice feature. Interest is low...9.25% for me.
DCU, $10k as well. 8.5%. They also said I qualified for a $25K auto loan another $5k card if I wanted it. I passed.
2 HP's, I wasn't too fond of that. I haven't used the card yet.
I'm partial to US Bank. They're close to me and open late on Saturdays and open on Sundays.
They both pulled EQ, Ohio.
Starting Score 9/12: EQ 645 TU 641 EX 651
racer-x wrote:I may have been denied or given a much lower CL if they had pulled TU or EX. I've been focuing on EQ friendly lenders.
US Bank denied me about 9 mos ago. But I've gained at least 100 pts on EQ since then. Don't know what they pulled then.
They pulled EQ so I may have a chance since my EQ and TU seem to be higher in scores.
Decision, decisions 
If you need a CU relationship, DCU is a good one to have. That's especially true of the auto lending right now.
If you're looking for anything beyond a farming tradeline for a card, US Bank is probably a better choice if you want a good CC in the future. DCU just isn't competitive on that front.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
Thanks Rev and Bears!
I am really not looking to build a relationship with another CU since I acquired PenFed and I am part of a local CU here in my home state. I am good with CUs.
I may go with US Bank because I rather have my credit pulled twice for two credit products instead of one CC and for membership.
US Bank does seem that they know what they are doing
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