Reply
Regular Contributor
Startome
Posts: 399
Registered: ‎08-21-2013
0

Re: US Bank is redic

I tried to apply for their standard card and was told the same thing, I live like 115 miles from their nearest branch, and I think their limit is within 100 miles or so. That's my guess. However I applied for their Harley Davidson Visa (Secured) and was obviously approved. So I guess sometimes their geographic area matters sometimes it doesn't. But it took about a month and after me thinking I got denied again due to service area. I got on my account one day and 300 dollars was gone from my savings, I about had a cow. I take that back, I did flip out. I called them and they said it was for my secured Harley Card (by this point I had, thinking I was denied, gone to Fifth Third and got one of their secured cards, lol). But I let them send me the card anyway because two TL is better than one for me at the moment.

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: US Bank is redic

US Bank is really p***ing me off.
I just called 'em to have the account removed. Spoke to two diff reps. Everyone I speak with is so confused how this happened...
As it turns out, the $1000 card IS the US Bank Platinum. They are all wondering how I even got it here in Texas... Needless to say, they are all vouching for me.
I disputed it with EXP and a Cardmember Rep gave me the address to contact the Credit Bureau department.
These banks guard their Credit Reporting departments like hawks!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
Startome
Posts: 399
Registered: ‎08-21-2013
0

Re: US Bank is redic

Wow, hey at least it's the card you wanted. Maybe you can keep it and get them it CLI it soon lol

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Moderator
09Lexie
Posts: 24,915
Registered: ‎09-13-2012
0

Re: US Bank is redic

The number for their Credit Card Disputes 800-755-4080 option 2
Community Leader
Senior Contributor
KennyRS
Posts: 4,630
Registered: ‎01-15-2009
0

Re: US Bank is redic

LMFAO. sorry.. that sucks. No other way to put it.
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:773(7/09) - EQ04:761(7/25) - EQ08:792(8/02) - TU08:797(8/02)
Goal Score: 800+
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012
0

Re: US Bank is redic


KennyS2006 wrote:
LMFAO. sorry.. that sucks. No other way to put it.

+1

 

It sure does.  What's even more interesting, is that they approved it for the intended product.  Some of their products just happen to be geographic-centric.  The Cash+ used to be available to the masses, now only available within the US Bank footprint area (i.e. apply at a branch) or if you have an existing US Bank CC, it can eventually be elegible to PC to the Cash+ (even outside the footprint area).

Senior Contributor
B335is
Posts: 3,222
Registered: ‎09-22-2012
0

Re: US Bank is redic


youngandcreditwrthy wrote:
US Bank is really p***ing me off.
I just called 'em to have the account removed. Spoke to two diff reps. Everyone I speak with is so confused how this happened...
As it turns out, the $1000 card IS the US Bank Platinum. They are all wondering how I even got it here in Texas... Needless to say, they are all vouching for me.
I disputed it with EXP and a Cardmember Rep gave me the address to contact the Credit Bureau department.
These banks guard their Credit Reporting departments like hawks!

File a complaint with the CFPB.  I got results in 1 day in a similar situation.

 

Community Leader
Senior Contributor
KennyRS
Posts: 4,630
Registered: ‎01-15-2009
0

Re: US Bank is redic


FinStar wrote:

KennyS2006 wrote:
LMFAO. sorry.. that sucks. No other way to put it.

+1

 

It sure does.  What's even more interesting, is that they approved it for the intended product.  Some of their products just happen to be geographic-centric.  The Cash+ used to be available to the masses, now only available within the US Bank footprint area (i.e. apply at a branch) or if you have an existing US Bank CC, it can eventually be elegible to PC to the Cash+ (even outside the footprint area).


Right, this method is on my short list for cards I will app for later on.. maybe middle of next year or something. (just because of the 5% categories of course.) Dunno though, I'm almost not happy with the sheer amount of cards I have, but I won't trim until I pay my debt down.. don't want to mess with my utilization.

Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:773(7/09) - EQ04:761(7/25) - EQ08:792(8/02) - TU08:797(8/02)
Goal Score: 800+
Valued Contributor
Themanwhocan
Posts: 1,432
Registered: ‎04-04-2013
0

Re: US Bank is redic


youngandcreditwrthy wrote:
US Bank is really p***ing me off.
I just called 'em to have the account removed. Spoke to two diff reps. Everyone I speak with is so confused how this happened...
As it turns out, the $1000 card IS the US Bank Platinum. They are all wondering how I even got it here in Texas... Needless to say, they are all vouching for me.
I disputed it with EXP and a Cardmember Rep gave me the address to contact the Credit Bureau department.
These banks guard their Credit Reporting departments like hawks!

Probably because US Bank bought out another small banking system in Texas a while back, so they actually have banks in Texas now.


Senior Contributor
youngandcreditwrthy
Posts: 6,155
Registered: ‎08-16-2012
0

Re: US Bank is redic

I don't want the card. I opened a $10k BOA card already.
I don't want my other lenders to see this random account and AA me.
I would have reconned the hell out of that $1000 limit! Haha pft. Get real USB.
I've called them so many times on at least three diff nums! I haven't tried that one though Lexie!!! OooOoo lemme try it!!
I do like to threaten banks with the CFPB, but I'd hate to actually use it. However, the principle here is that everyone at USB agrees with me, they just don't know what to do.
And any time I dispute anything with Exp, they've always say to get the creditor to remove it and of course the creditor tells me to hassle Exp.
What a horrible vicious cycle!! I need it remove ASAP!!! My aaoa is important, and furthermore- it's inaccurate to report the account.
Bahahhahha still can't believe it would have been $1,000 limit- that's like what I would have been happy with when I was 19! Lmao.
-.-
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+