well made my monthly trek to pay the mort and had to go through my usual (over a year now) story. it's really funny when i get a new teller (diff branch or new employee usually), i give them my ss# to call up my account. then i wait for the confused look. after a second or two i cave and explain i'm not the guy in california w/that ss#. then explain that i was told it was likely a data entry error and every month i'm told thier security protocol's will clean it up (hasn't yet).
on one of my trips i was told that this fellow even has a cc attached to that (my) ss#. now i know what you're thinking and there is no mention of it on any of my reports so it's clearly an internal us bank thing.
well today i was joking and said why don't you guys just go ahead and mail me a card for that account. the teller laughs and says well you are pre-approved.
ok it just got serious! the interigation begins.
by pre-approved what do you mean?
well the offer comes up when i click on your name.
what's the terms?
12 months 0% on purchases and 5.99% for 60 months. (current card holders check your offers!)
what's the limit?
it never shows us that.
how many of these "pre-approvals" are declined?
well if you come up pre-approved it's good. what's you're income?
i tell her. she says oh, you're fine.
i ask a teller that has been there a number of years.
deb how often are these "pre-approvals" declined?
maybe 2 out of 10 get turned down.
back to original teller.
do they want hhi or just me?
she taps and says the offer is only for you, not your wife.
do you show her listed on the mort?
yes, but i don't see any pre-approvals for her.
well obviously some screening has been done, great terms, known to soft auto cli, have my mort w/them, decided to pull the trigger (even though i'm not fond of us bank).
teller took my info and said someone would call with the decision.
wish me luck.
