Credit Cards

[Creditaddict]

I did online chat and of course the rep told me the "Computer Randomly Picks 1 of the 3 to do the pull from"

Also what is considered Bill Pay items?

[djrez4]

Two data points - one from Experian and one from Equifax.

Hope you don't mind the bluntness, but with the FICOs in your signature, it would be a wasted inquiry no matter who they pull.

[Creditaddict]

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djrez4 wrote:

Two data points - one from Experian and one from Equifax.

Hope you don't mind the bluntness, but with the FICOs in your signature, it would be a wasted inquiry no matter who they pull.

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They pulled 2 HP on you?

And, Yes I would not apply with my scores in Sigi, I already have a UsBank Signature - and it was closed years ago into a payment arrangement with reduced interest, They have always benn VERY good to me... I hope I am able to complete the program and come back into graces as I used to be... it had a $22,500 CL :/

[CribDuchess]

I've read some posts on another board that seem to indicate they pull EQ if you apply in a branch, and the pull EX if you apply online.  I'm in WA state and they pulled EX when I applied online.

I have bill pay as one of my 5% categories and I'm earning this bonus on my monthly State Farm insurance payment, my water bill, my electricity bill, my natural gas bill, my garbage bill, my cell phone bill, my landline/house telephone bill, and my cable/internet bill (Comcast).  I'm earning over $40 per month just on bill pay.

[Creditaddict]

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CribDuchess wrote:

I've read some posts on another board that seem to indicate they pull EQ if you apply in a branch, and the pull EX if you apply online.  I'm in WA state and they pulled EX when I applied online.

I have bill pay as one of my 5% categories and I'm earning this bonus on my monthly State Farm insurance payment, my water bill, my electricity bill, my natural gas bill, my garbage bill, my cell phone bill, my landline/house telephone bill, and my cable/internet bill (Comcast).  I'm earning over $40 per month just on bill pay.

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So if you set it up to auto pay those bills you are getting the 5% or do you have to go into USBank and schedule to pay the bill or? 

I pay 99% of my bills online with bill pay at the bank, so slightly confused how i do it with credit card and get the rewards.

[CribDuchess]

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Creditaddict wrote:

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CribDuchess wrote:

I've read some posts on another board that seem to indicate they pull EQ if you apply in a branch, and the pull EX if you apply online.  I'm in WA state and they pulled EX when I applied online.

I have bill pay as one of my 5% categories and I'm earning this bonus on my monthly State Farm insurance payment, my water bill, my electricity bill, my natural gas bill, my garbage bill, my cell phone bill, my landline/house telephone bill, and my cable/internet bill (Comcast).  I'm earning over $40 per month just on bill pay.

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So if you set it up to auto pay those bills you are getting the 5% or do you have to go into USBank and schedule to pay the bill or? 

I pay 99% of my bills online with bill pay at the bank, so slightly confused how i do it with credit card and get the rewards.

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I don't use "auto-pay" to pay (I'm too much of a control freak for that).  I log into each of my utility provider's websites and use my Cash+ Visa to make a payment online.  I can confirm that I am receiving the 5% cash back bonus on all of these online payments.  And, actually, I pay my electricity and natural gas bills over the phone (their automated phone systems) and use my Cash+ Visa to make the payments and I get the 5% cash back bonus on those payments, too.

I have never used US Bank's online banking bill pay feature, so I'm not sure how it works.  But if you're not using the Cash+ Visa card to make the bill payment, then it wouldn't qualify for the 5% cash bonus.

[djrez4]

Not two pulls on me.  There are two data points in the database on another site for the Cash+ in California.  One was EX and one was EQ.  The online/branch dichotomy may explain that.

If they let you back into the fold with a Cash+, bully to ya, mate.  I just don't think you automatically qualify for a new Signature card when you pay them off.  They still have to evaluate the risk of lending to you.

[Imhotrodcrazy]

 I am in so cal and they pulled ex for me.

[Link2k]

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Imhotrodcrazy wrote:

 I am in so cal and they pulled ex for me.

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Did you apply in branch or online?

[Creditaddict]

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djrez4 wrote:

Not two pulls on me.  There are two data points in the database on another site for the Cash+ in California.  One was EX and one was EQ.  The online/branch dichotomy may explain that.

If they let you back into the fold with a Cash+, bully to ya, mate.  I just don't think you automatically qualify for a new Signature card when you pay them off.  They still have to evaluate the risk of lending to you.

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Once Again, I am NOT applying for this card!  I started the thread for more information for someone else and I was agreeing up above that if my scores in sigi were correct not a good idea and further stated that I really like USbank because of how they have treated me with the offers to get it paid off... but even if that was tomorrow to happen, it's not, it's a 4 year plan and I am about 18 or so months in at best I would say... so yeah no usbank in my name alone any time soon.

Thanks for info though...