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Established Member
sarge
Posts: 20
Registered: ‎11-18-2008

USBANK still lending :)

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 :smileyhappy:

 

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. 

 

Established Contributor
Posts: 742
Registered: ‎12-19-2008

Re: USBANK still lending :)

Congratulations!

 

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

 

With your persistence and given time you obtained the card .:smileyhappy:

Established Member
sarge
Posts: 20
Registered: ‎11-18-2008

Re: USBANK still lending :)

Thanks, I also forgot to mention that the limit was  $5000.00:smileyvery-happy:
Established Contributor
Posts: 742
Registered: ‎12-19-2008

Re: USBANK still lending :)

[ Edited ]

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
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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: USBANK still lending :)

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.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 742
Registered: ‎12-19-2008

Re: USBANK still lending :)

Hey Hauling,

 

I just noticed you are a FICO High Achiever now! :smileyhappy:

 

Congratulations!

 

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

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Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: USBANK still lending :)


plasticman wrote:

Hey Hauling,

 

I just noticed you are a FICO High Achiever now! :smileyhappy:

 

Congratulations!

 

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



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. :smileytongue: 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.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
Posts: 742
Registered: ‎12-19-2008

Re: USBANK still lending :)

LOL:smileyvery-happy:

 

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!:smileysad:

 

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

 

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...

 

 

Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008

Re: USBANK still lending :)

I'm waiting for approval from US Bank now. I apped for a Chase over the weekend.  I need a $5,000 credit line. 
Established Contributor
voidman
Posts: 532
Registered: ‎06-07-2008

Re: USBANK still lending :)

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

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