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US Bank

Senior Contributor

Re: US Bank


Cumulus's wrote:

Coaches wrote:

Manta wrote:

I find this so strange, I am in NJ - You are actually closer to a brick & mortar branch than me. I do not understand how a "trade area" is determined? Can someone please explain?


They view their credit card and interest rates as an incentive to generate brick and mortar business. So they only want locations that facilitate this.
They simply do not want to extend business to specific geographic or economic areas. There are entire Zip codes in Ohio  that banks will not finance home loans on

They have some statute or agreement that limits their business area.


Are you living in the Continental US?


This is called redlining at it is an illegal practice. If they do deny your application for such a loan I sure hope that isn't the proffered reason.

Message 11 of 13
Valued Contributor

Re: US Bank

Is there a list of which states they'll grant credit cards to?  I'm in NY and was planning on applying there.
11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 12 of 13
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Valued Contributor

Re: US Bank

I just noticed their secured card has a list of states.  I guess this applies to the rest of their cards as well?

 

 

http://www.usbank.com/cgi_w/cfm/creditcards/secured/usb_secured_card.cfm?ics_src=7109 

 

 

 

 

 

 

 

 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 13 of 13