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Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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US Bank

Question... Are you required to have an account with US Bank to apply for their cards?

Don't sound the ERT alarms.  LOL!  I'm just asking for future reference.



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Valued Contributor
Posts: 1,794
Registered: ‎07-01-2010
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Re: US Bank

No, I got one from a cold start.

 

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: US Bank

Okay cool.  Thanks!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Mega Contributor
Posts: 17,011
Registered: ‎08-08-2011
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Re: US Bank

I have two no previous accounts with them.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / PayPal Extras MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $4.3k
Gardening Date 6/13/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: US Bank


coldnmn wrote:

I have two no previous accounts with them.


Awesome!

I've read lots of good things about them on the boards so I am adding them to my future list.



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Mega Contributor
Posts: 17,011
Registered: ‎08-08-2011
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Re: US Bank

So you know they usually give the 7-10 day message. Unless your credit is stellar. So don't necessarily take it as a denial. I got it for both my cards.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / PayPal Extras MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $4.3k
Gardening Date 6/13/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Super Contributor
Posts: 7,868
Registered: ‎10-03-2008
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Re: US Bank

Got my first US Bank Affinity Credit Card (Visa Signature) from an in the mail pre-selected offer. No banking relationship at the time. Since then I have added a second US Bank Credit Cash+ Visa Signature Card and a Premier Line of Credit (the PLOC does require a bank relationship and I moved my business to them becuase of how well they treated me).
Starting Score: 848
Current Score: 826
Goal Score: 850


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Senior Contributor
Posts: 10,272
Registered: ‎09-24-2013
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Re: US Bank


user5387 wrote:

No, I got one from a cold start.

 


+1

.
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: US Bank


coldnmn wrote:

So you know they usually give the 7-10 day message. Unless your credit is stellar. So don't necessarily take it as a denial. I got it for both my cards.


Good to know.  Thanks!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 303
Registered: ‎10-06-2013
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Re: US Bank

I tried my luck last month and actually never paid any attention because I was sure of a denial. A week later got an approval email. I called to find out and my cl was $1,000 and no banking relationship avg scores 650, with around 50% util and a total of 16 inq across all three CRs.
CSP: $20k / BarclayCard WMC: $20k / US Bank Sig: $12k / Diners Club: $10k / Macy's: $10k / CapOne QS: $8k / Sportsman's Visa: $7.5k / Overstock: $7.4k / Citi DP: $3.6k / US Bank LOC: $2.5k / Cabela's: $2k / Bank of Hawaii AmEx: $1.6k / Chase Marriott: $1.5k / Amazon Visa: $500

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