10-08-2013 10:27 AM
So, back in early September, I app'ed for US Bank Platinum - not knowing tjhey didn't approve applicants outside of their "geographic area" for this card. I called and asked about my app; they said it was auto denied with no credit pull.
Well, as I posted previously, they pulled my credit anyway, even though I was told three times that it was just flat out auto denied with no pull due to my location. I asked them to make sure the application was CANCELED. What else would I get if I didn't get the US Bank Platinum? That's the only US Bank product I wanted.
A day later, I got a hard inq on Experian- took me a couple weeks to get that removed, but US Bank admitted their mistake and had it removed ultimately. I had to push the envelope a little and get Experian to remove it earlier than the 6-8 weeks US Bank committed to.
WELL, now I check my Exp report today, and I have a new $1,000 credit limit card account from US Bank.
WTH!?!? It is reported as closed already, which is odd.
US Bank is rediculous. I'm still baffled how I could even get a card I was told time after time after TIME I simply did not qualify for due to my location.
This new tradeline lowered my aaoa to 3.1 years v the 3.2 years it was. :-( sad! lol
Needless to say, I've already disputed the tradeline, and hope it gets removed appropriately. They are just blowing my mind!!
10-08-2013 10:33 AM
Now THAT is hilarious. If there was an error on their end (since they allegedly informed you the product was not available in your area to apply) then I'm sure they can remove the TL. US Bank can be quirky sometimes.
10-08-2013 10:37 AM
10-08-2013 10:51 AM
10-08-2013 10:55 AM
I told them if I couldn't get US Bank Platinum, I didn't want any US Bank card. They even asked me about the Travel card, and I said no lol.
LOL@lexie.... I would be calling them AGAIN for a recon to get a higher limit.
a thousand dollars.
You kiddin' me USBank? Looks like I did well by choosing BOA.
I'm glad I wasn't eligible for the Platinum. Too bad I'm having to fight all these lovely additions to my ever-expanding CR. hhaha
10-08-2013 11:45 AM
I hope it doesn't. I just want it off of my report :-(
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.