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We have a torrid relationship. Only bank I will not seek credit from.
If there's a red bar above the card, you're golden.
If you have a relationship with them, you have a better shot. Keyword BETTER not guaranteed.
I used to only get the Contour offer also, for about two weeks now they have been telling me my recommended offers are Perks + and Cash +. I just checked again for the 'Red Bar' and while it is not there now they are also adding the Cash Rewards card as an option. I think I will wait for the 'Red Bar' or an APR which is set.
Thanks everyone!
I'm going to leave it alone for now and see what happens. I have no red bar, and no set APR, and then there's the threat of manual review - I have 26 new accounts this year, so yeah... probably not going to happen.
Someone posted a pic of the mysterious Red Bar on these forums. If I weren't on my phone iid find it.
Found it! Yeah, I'm definitely not getting the red bar!
http://ficoforums.myfico.com/t5/Credit-Cards/USBank-Prequal-is-it-legit/td-p/4269295/page/3
@gibeon wrote:
So US Bank used to come back with the contour card every time I checked for preapprovals. Then they started showing a 1% cash something-or-other for a couple months.
As of today they are showing the 1% AND the REI MasterCard. However, the APRs are ranges, so I'm not apping.
Has anyone gotten a solid, single APR on their prequal, or is it always "floaty?"
I don't have a use for the 1% card, but could definitely make use of the REI card.
Thanks,
Gib
US bank is rough