cancel
Showing results for 
Search instead for 
Did you mean: 

US Bank; What to do, what to do?

tag
Anonymous
Not applicable

Re: US Bank; What to do, what to do?

Anyone get approved after calling anyone...?

 

I got denied, but **bleep**, I would've been accepted if they sent it two weeks earlier. I don't mean to toot my horn, but I'm excellent when it comes to writing these little letters. It's actually how I got my first two credit cards.

 

I really, really want this card. Limit doesn't matter, I know I'll be a good boy.

Message 91 of 145
MidnightVoice
Super Contributor

Re: US Bank; What to do, what to do?

Well, the card arrived.  $10k, 0% APR untill October then 8.9%

 

I am done.

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 92 of 145
oracles
Valued Contributor

Re: US Bank; What to do, what to do?

Congrats Midnight

 

I too am thinking of applying for this card.

 

Will let you know, it will be at the end of the year if i decide to do it

Message 93 of 145
Guardian
Valued Contributor

Re: US Bank; What to do, what to do?


@MidnightVoice wrote:

Well, the card arrived.  $10k, 0% APR untill October then 8.9%

 

I am done.


Congrats.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 94 of 145
Anonymous
Not applicable

Re: US Bank; What to do, what to do?

is US Bank generally stingy with their credit lines?  what are their financial reviews like? do they ask for paystubs?

 

From what I understand:

Banks That Tend to Be More Generous w/ credit lines:

BOA

Citi

Chase

 

 

 

Banks That Tend to Be More Uptight:

Amex

Discover

Message 95 of 145
Guardian
Valued Contributor

Re: US Bank; What to do, what to do?


@Anonymous wrote:

is US Bank generally stingy with their credit lines?  what are their financial reviews like? do they ask for paystubs?

 

From what I understand:

Banks That Tend to Be More Generous w/ credit lines:

BOA

Citi

Chase

 

 

 

Banks That Tend to Be More Uptight:

Amex

Discover


They more even keel. They are not stingy and they don't make you jump through too many hoops but they do make smart conservative decisions and that's why they do so well. They tend to treat people well and that's why people generally tend to treat them well. They don't swing too far between the outer extremes and that makes them a bit more reliable and stable. Hope that helps.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 96 of 145
MidnightVoice
Super Contributor

Re: US Bank; What to do, what to do?

Also, they are not on the "Banks likely to go broke because their CEOs were greedy illegitimate children who should be jailed" list  Smiley Very Happy
Message Edited by MidnightVoice on 02-03-2009 03:41 PM
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 97 of 145
Guardian
Valued Contributor

Re: US Bank; What to do, what to do?


@MidnightVoice wrote:
Also, they are not on the "Banks likely to go broke because their CEOs were greedy illegitimate children who should be jailed" list  "D

Good one, I like that and definately true.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 98 of 145
Anonymous
Not applicable

Re: US Bank; What to do, what to do?

Hi Everyone,

I know this post is a few weeks old, but I was actually coming on here to research USBank and found this thread. I got a pre-qual offer this week from them, and since I'm doing a little shuffling thought I'd ask you guys what you think of them.

 

My EQ is 729 today, and am on the west coast.  I haven't pulled my others in a while.  I am thinking this my be worth a hard pull.  I'd like to consolidate the smaller balances I have that have higher APR on my snowball list.

Message 99 of 145
Guardian
Valued Contributor

Re: US Bank; What to do, what to do?


@Anonymous wrote:

Hi Everyone,

I know this post is a few weeks old, but I was actually coming on here to research USBank and found this thread. I got a pre-qual offer this week from them, and since I'm doing a little shuffling thought I'd ask you guys what you think of them.

 

My EQ is 729 today, and am on the west coast.  I haven't pulled my others in a while.  I am thinking this my be worth a hard pull.  I'd like to consolidate the smaller balances I have that have higher APR on my snowball list.


You seem to be at a level that you would do well with US Bank, give them a shot and we'll cross our fingers that they give you the love they have been giving everyone else that has mentioned them. They seem to be a good bank, on solid footing and one of the "hidden jems" according to federal reports. I think establishing with them would be a good move for you. Good luck.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Message 100 of 145
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.