USBANK still lending :)

[Anonymous]

I got a pre-qualified letter in the mail a week ago, but instead of calling I talked to a local banker. It took about 3 min and I was approved

I was pretty surprised because a couple of months ago I was denied for having to many open accounts with balances(uti was is 79%), but I thought I would give it another try cause they wanted to offer me 0% for 9 months. That was going to help me transfer some balances and get ahead  with the 0%.

My score from EQ is 679/TU ? my total open accounts is 7, and my uti is still high. I have no baddies.  So on that note I just wanted to pass on that the banks are still lending even with out having excellent credit. 

[plasticman]

Congratulations!

US Bank is a very solid bank and has great CS. IMHO

With your persistence and given time you obtained the card .

[Anonymous]

Thanks, I also forgot to mention that the limit was  $5000.00

[plasticman]

WOW!

US bank is very conservitive, that CL speaks volumes.

BTW...You may be able to qualify for a soft pull $1500 CLI every six months with US Bank. It is one of my favorite features with my US Bank CC.

Message Edited by plasticman on 09-14-2009 11:29 AM

[haulingthescoreup]

The last thing I need now is another card, lol, but I have to admit that if and when I break down in another year or two, it will probably be US Bank.

[plasticman]

Hey Hauling,

I just noticed you are a FICO High Achiever now!

Congratulations!

BTW...US Bank would love to have you as another customer right away. IMHO

[haulingthescoreup]

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plasticman wrote:

Hey Hauling,

I just noticed you are a FICO High Achiever now!

Congratulations!

BTW...US Bank would love to have you as another customer right away. IMHO

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Thanks! We'll see if the mail picks up again.

Really, though, I have way more credit than I could ever use -- $130+K --and the thought of having to keep yet another CC happy makes me want to crawl under the bed. I feel like someone with too many BF's/ GF's, all of whom are clamoring for flowers and chocolates and time together. I may need to start looking at closing some of my good but superfluous cards, especially now that so many have plummeted to 1% rewards.

[plasticman]

LOL

I have 7 CCs myself and a high available total CLs like you. I know of trying to keep them happy. I literally put two different CCs in my wallet every week to do so. It is somewhat of a chore!

My only other revolving TL is a NavChek LOC which I do not need to exercise...thank goodness.

You have expressed your long road to your current FICO achievement and I could not be more happy for you!  Next goal FICO 800.

Stay well...

[DI]

I'm waiting for approval from US Bank now. I apped for a Chase over the weekend.  I need a $5,000 credit line. 

[voidman]

2 months back I responded to USBanks preapproval, got 5k 0% for 12 months.