Reply
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: US Bank, should I go for it?

[ Edited ]

Apply and recon if needed.

 

They are an excellent bank that will grow with you.

 

I would recommend you apply for one of their more basic accounts and after 6 months call in for a CLI.

 

If you have a branch nearby. You can go in and discuss with them. Your chances are better if you have a relationship with them. One idea is you apply for the Cash+ and just get their counter offer of a basic cash back card.

 

You can see from my history that in some cases they are rather generous. I have a short history and low score, yet US Bank has hooked me up.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
New Contributor
Posts: 401
Registered: ‎03-16-2013
0

Re: US Bank, should I go for it?

they are for most of the part.Everybody is diffrent

Good luck again

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
Remaining Days-170
Contributor
Posts: 81
Registered: ‎07-16-2011
0

Re: US Bank, should I go for it?

I applied for a Fred Meyer Rewards Card (Kroger) backed by USBank and was approved. At the time I only had a 400CL CapOne card. And 2 old paid off baddies under $100, deferred student loans and a small income (I'm a student still). I have NO IDEA why they approved me. The card went to 7-10 day decision, and I thought I was denied. 


Starting Score: Low 500's (2011)
Current Score:My Fico - 661
NFCU cashRewards 17.5k | NFCU GoRewards 14k |Fred Meyer Rewards Visa (USBank) 1k | Best Buy 2.8k | Walmart 1450 | Target 300 | Amazon 2.1k | CareCredit 2.6k | Macy's 1.5k | Macy's Furniture 3.5k | Lowe's 3k | Discover It 1.8k
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0

Re: US Bank, should I go for it?

My cash+ was obtained with a 696, it was my 10th inquiry in the last 12 months, 3rd in the last 6. 16 months total history. No banking relationship. I assume my fairly low financial obligations helped. This was after they started removing the online application links-i don't live near their service area.
EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Senior Contributor
Posts: 4,615
Registered: ‎02-23-2011
0

Re: US Bank, should I go for it?


Dustink wrote:

Apply and recon if needed.

 

They are an excellent bank that will grow with you.


+1

 

Before the Flexperks bonus card, I didn't know much about US Bank, other than their being based in MN.  Initially, have gotten the card and tried their banking services, I was underwhelmed by their antiquated technology, such as a website that's reminiscent of the dos windows 3.1 days (not sure anyone old enough to remember that here) and no pin # machines at their teller service windows.

 

However, as time passed, I started to realize they were an excellent bank who takes customer servicing much more to heart than Citi, BofA, and a few other banks I've been using.  They have been responsive, proactive, and actually call me with an update when I open or transfer funds.  

 

I've got to say that if you have a credit card with auto pay, their "gold checking" is the best value checking account out there.  It's comparable to Citi gold, but without the fees and requirements.  

 

I think of all the major banks, US Bank's "CC + auto pay + Gold checking" is the best bang for the buck.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: US Bank, should I go for it?


Open123 wrote:

Dustink wrote:

Apply and recon if needed.

 

They are an excellent bank that will grow with you.


+1

 

Before the Flexperks bonus card, I didn't know much about US Bank, other than their being based in MN.  Initially, have gotten the card and tried their banking services, I was underwhelmed by their antiquated technology, such as a website that's reminiscent of the dos windows 3.1 days (not sure anyone old enough to remember that here) and no pin # machines at their teller service windows.

 

However, as time passed, I started to realize they were an excellent bank who takes customer servicing much more to heart than Citi, BofA, and a few other banks I've been using.  They have been responsive, proactive, and actually call me with an update when I open or transfer funds.  

 

I've got to say that if you have a credit card with auto pay, their "gold checking" is the best value checking account out there.  It's comparable to Citi gold, but without the fees and requirements.  

 

I think of all the major banks, US Bank's "CC + auto pay + Gold checking" is the best bang for the buck.


+1 well put

 

I enjoy the larger bonus from the plat package, but the gold is easiest for the fee waiver.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: US Bank, should I go for it?


Open123 wrote:

Dustink wrote:

Apply and recon if needed.

 

They are an excellent bank that will grow with you.


+1

 

Before the Flexperks bonus card, I didn't know much about US Bank, other than their being based in MN.  Initially, have gotten the card and tried their banking services, I was underwhelmed by their antiquated technology, such as a website that's reminiscent of the dos windows 3.1 days (not sure anyone old enough to remember that here) and no pin # machines at their teller service windows.

 

However, as time passed, I started to realize they were an excellent bank who takes customer servicing much more to heart than Citi, BofA, and a few other banks I've been using.  They have been responsive, proactive, and actually call me with an update when I open or transfer funds.  

 

I've got to say that if you have a credit card with auto pay, their "gold checking" is the best value checking account out there.  It's comparable to Citi gold, but without the fees and requirements.  

 

I think of all the major banks, US Bank's "CC + auto pay + Gold checking" is the best bang for the buck.


(clears throat...)

 

I remember the DOS days before Windows, complete with C:\> prompt. :smileywink:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Senior Contributor
Posts: 4,615
Registered: ‎02-23-2011
0

Re: US Bank, should I go for it?


tinuviel wrote:

Open123 wrote:

Dustink wrote:

Apply and recon if needed.

 

They are an excellent bank that will grow with you.


+1

 

Before the Flexperks bonus card, I didn't know much about US Bank, other than their being based in MN.  Initially, have gotten the card and tried their banking services, I was underwhelmed by their antiquated technology, such as a website that's reminiscent of the dos windows 3.1 days (not sure anyone old enough to remember that here) and no pin # machines at their teller service windows.

 

However, as time passed, I started to realize they were an excellent bank who takes customer servicing much more to heart than Citi, BofA, and a few other banks I've been using.  They have been responsive, proactive, and actually call me with an update when I open or transfer funds.  

 

I've got to say that if you have a credit card with auto pay, their "gold checking" is the best value checking account out there.  It's comparable to Citi gold, but without the fees and requirements.  

 

I think of all the major banks, US Bank's "CC + auto pay + Gold checking" is the best bang for the buck.


(clears throat...)

 

I remember the DOS days before Windows, complete with C:\> prompt. :smileywink:


Remember BASIC?  Hahaha...really betraying my age here.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: US Bank, should I go for it?


Open123 wrote:

tinuviel wrote:

Open123 wrote:

Dustink wrote:

Apply and recon if needed.

 

They are an excellent bank that will grow with you.


+1

 

Before the Flexperks bonus card, I didn't know much about US Bank, other than their being based in MN.  Initially, have gotten the card and tried their banking services, I was underwhelmed by their antiquated technology, such as a website that's reminiscent of the dos windows 3.1 days (not sure anyone old enough to remember that here) and no pin # machines at their teller service windows.

 

However, as time passed, I started to realize they were an excellent bank who takes customer servicing much more to heart than Citi, BofA, and a few other banks I've been using.  They have been responsive, proactive, and actually call me with an update when I open or transfer funds.  

 

I've got to say that if you have a credit card with auto pay, their "gold checking" is the best value checking account out there.  It's comparable to Citi gold, but without the fees and requirements.  

 

I think of all the major banks, US Bank's "CC + auto pay + Gold checking" is the best bang for the buck.


(clears throat...)

 

I remember the DOS days before Windows, complete with C:\> prompt. :smileywink:


Remember BASIC?  Hahaha...really betraying my age here.


My very first program was written in FORTRAN... on punched cards. :smileytongue:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: US Bank, should I go for it?

Punched cards?  Luxury!  We had to toggle it in from the front panel, that was real programming etc etc....

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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.