us bank reliability

[ojefferyo]

Speaking of the devil, I just got a pre-approval mailer from them for the Cash+ Visa Signature card with an intro rate of 0% for 18 months then 13.99% after. This rate matches my Citi card with ok rewards it looks like. How sensitive are they to inquires and new accounts? I'm thinking about getting the card but thinking they may deny me for those two things. Depending on what CB they pull it varies from 8-15 inquires from this year and a handful of new accounts. 

What are your opinion on this? Sorry if this is a thread jack but it kinda relates lol

[Anonymous]

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@ojefferyo wrote:

Speaking of the devil, I just got a pre-approval mailer from them for the Cash+ Visa Signature card with an intro rate of 0% for 18 months then 13.99% after. This rate matches my Citi card with ok rewards it looks like. How sensitive are they to inquires and new accounts? I'm thinking about getting the card but thinking they may deny me for those two things. Depending on what CB they pull it varies from 8-15 inquires from this year and a handful of new accounts. 

What are your opinion on this? Sorry if this is a thread jack but it kinda relates lol

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They pulled TU for me in CA in May.

[Anonymous]

transunion is my best with only 3 inquiries lol. the others have 11 or so

[Anonymous]

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@Anonymous wrote:
transunion is my best with only 3 inquiries lol. the others have 11 or so

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Yeah, that's why I didn't b**** too loudly when they did the HP even when I was told they wouldn't (another ding against the local branch, but they're so darn nice and attentive).

[Anonymous]

seems like to get the cash+ you need good scores and reports... my TU is only 667 according to my Barclays application

[ojefferyo]

I app'd and it went pending, called underwriting and nice lady said 99% of apps go through this. My TU score is in the 780's with $180k+ income, hopefully it works out but if not I'm not going to cry about it. 

[Anonymous]

yeah it's just a card. you should be okay based on that alone though.