Starting Score: 642
thomas_ss wrote:if US BANK is your route, sorry...... they are probably the WORST CC ever in the history of CC's my suggestion is CITI bank. simplicity, diamond preferred, TY rewards, AA bronze.....CITI is the best CC. if you get approved for a citi card, you'll get 0% for 18 months and the after rate will be better than us banks..... please do not apply with us bank
I have pretty much all the cards I want but this one. It has great reviews and gives pretty stout cash back rewards that compliment the cards I already carry. Just curious, why do you dislike US Bank so much?
melbaro wrote:
thomas_ss wrote:if US BANK is your route, sorry...... they are probably the WORST CC ever in the history of CC's my suggestion is CITI bank. simplicity, diamond preferred, TY rewards, AA bronze.....CITI is the best CC. if you get approved for a citi card, you'll get 0% for 18 months and the after rate will be better than us banks..... please do not apply with us bank
Either you are a CITI rep or you have access to drugs not meant for human consumption.
LOL.. sorry, just had to laugh.
improvingmycredit wrote:I'd like to get the US Bank Visa+ card this December. I my permanant address is Florida. Any info out there from people that have this card about who they will pull?
I have my CRs frozen and will need to unfreeze to app. Thanks in advace for your help.
I think they pulled Experian for me when I applied for the Business card. I have been happy with them, but they are super conservative in all their lending. They seem to have tight underwriting requirements, they prefer over 700 FICO for their lower-line of business cards (like mine). They like to see 720+ FICO on the travel cards. This was direct from a bank rep after talking to underwriting on the phone in the branch. Relationship DOES come into play with them, because local branch can ask them to recon based on their input.
melbaro wrote:
thomas_ss wrote:if US BANK is your route, sorry...... they are probably the WORST CC ever in the history of CC's my suggestion is CITI bank. simplicity, diamond preferred, TY rewards, AA bronze.....CITI is the best CC. if you get approved for a citi card, you'll get 0% for 18 months and the after rate will be better than us banks..... please do not apply with us bank
Either you are a CITI rep or you have access to drugs not meant for human consumption.
Well, in his very first post he stated he was a credit card negotiator and working with HSBC clients, and he also referenced Citi in a positive light. Hmmm....
melbaro wrote:
thomas_ss wrote:if US BANK is your route, sorry...... they are probably the WORST CC ever in the history of CC's my suggestion is CITI bank. simplicity, diamond preferred, TY rewards, AA bronze.....CITI is the best CC. if you get approved for a citi card, you'll get 0% for 18 months and the after rate will be better than us banks..... please do not apply with us bank
Either you are a CITI rep or you have access to drugs not meant for human consumption.
lol
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