topic Re: Commerce Bank in Credit Card Approvals

Commerce Bank

bigpoppa09 — Tue, 16 May 2017 22:04:43 GMT

I kept getting prequals from them the last couple of months today this one had a nice APR of 12.99 after 18 months 0% on purchases and BT i apped Instant approval for 11K the max on the prequal i got said 15K was there max. Data points they pulled TU Fico08 771 34 Inqs 7% Util if anyone is interested in the card there prequals are solid.

Re: Commerce Bank

Anonymous — Tue, 16 May 2017 22:58:21 GMT

The special connections card looks interesting to me.
I wish it told you what the 2 and 3% categories were each quarter. Or at least what they have been or a group of what they can be. Do you chose them or are they picked for
You?

https://www.commercebank.com/personal/cards/credit/special-connections-rewards/?ref=bannerAd

Re: Commerce Bank

Anonymous — Tue, 16 May 2017 23:11:16 GMT

@bigpoppa... did they pull credit for a checking account?

Re: Commerce Bank

bigpoppa09 — Tue, 16 May 2017 23:14:34 GMT

@Anonymous wrote:
The special connections card looks interesting to me.
I wish it told you what the 2 and 3% categories were each quarter. Or at least what they have been or a group of what they can be. Do you chose them or are they picked for
You?

https://www.commercebank.com/personal/cards/credit/special-connections-rewards/?ref=bannerAd

I think u can choose your own.

Re: Commerce Bank

bigpoppa09 — Tue, 16 May 2017 23:15:36 GMT

@Anonymous wrote:
@Anonymous... did they pull credit for a checking account?

I dont have any other accounts with them just the credit card.

Re: Commerce Bank

AverageJoesCredit — Wed, 17 May 2017 00:41:22 GMT

Congrats on fantastic limit bigpoppa

Re: Commerce Bank

bigpoppa09 — Wed, 17 May 2017 00:48:58 GMT

@AverageJoesCredit wrote:
Congrats on fantastic limit bigpoppa

Thank u.

Re: Commerce Bank

Anonymous — Wed, 17 May 2017 02:00:18 GMT

I get there prequel every week in the mail. Was getting 9.74 offer,last week it went to 12.xx.
Haven't applied yet,glad to see there cl are decent.
Great job. May apply one of these times

Re: Commerce Bank

Anonymous — Wed, 17 May 2017 04:17:28 GMT

Congrats for nice SL.
Prequal comes
By mail only?
You can't check only if there is any offer?
And do they serve only specific areas ?
Thanks

Re: Commerce Bank

Anonymous — Wed, 17 May 2017 04:17:43 GMT

Online*

Re: Commerce Bank

bigpoppa09 — Wed, 17 May 2017 05:43:27 GMT

@Anonymous wrote:
Congrats for nice SL.
Prequal comes
By mail only?
You can't check only if there is any offer?
And do they serve only specific areas ?
Thanks

They are mainly in the Midwest but anyone can apply for there cards regardless where u live.

Re: Commerce Bank

Anonymous — Wed, 17 May 2017 07:01:50 GMT

This card interests me. I wish I could find more info on it. Has not been mentioned much on here or on the googles for that matter.

Re: Commerce Bank

Anonymous — Wed, 17 May 2017 07:13:36 GMT

@Anonymous wrote:
This card interests me. I wish I could find more info on it. Has not been mentioned much on here or on the googles for that matter.

In the past they had some very interesting customer service challenges (incompetence would just scratch the surface). In my case, I walked away. That was a few years back so maybe things have changed.

Re: Commerce Bank

Anonymous — Wed, 17 May 2017 09:45:52 GMT

Lmao@Dino.... "incompetence would just scratch the surface"

That made my morning.

Re: Commerce Bank

thummel — Thu, 18 May 2017 00:17:17 GMT

They are bombarding my mailbox with offers from commerce. Yesterday got one for 0% on purchases and balance transfers for 18 months. Decent offer and might give it a shot.

Re: Commerce Bank

Anonymous — Thu, 18 May 2017 04:47:27 GMT

The categories change every quarter, Jan to March was 2% on Restaurants/Fast Food and 3% on Phone, Cable, and Internet. April to & June it's 2% Home Improvement, Lawn & Garden and 3% Child Care & Insurance. Jul to Sep is 2% Gas Stations, Ride Sourcing & Taxis and 3% Schools & Education and Oct to Dec is 2% Grocery Stores & Pharmacies and 3% Health Clubs/Fitness & Charities. You do have to go into the Rewards Portal to activate the categories.
My DW has the card I'm not auth on it yet so I don't follow his spend too much on it.

Re: Commerce Bank

Anonymous — Wed, 13 Sep 2017 02:36:06 GMT

I heard they were inq sensitive but others have said they aren't. I applied yesterday for one of their cards and they pulled TU this morning...775TU 5% untilization and 17 inqs...the inqs have me worried hoping my high score will over come that.

Re: Commerce Bank

bigpoppa09 — Wed, 13 Sep 2017 03:34:06 GMT

Which card did u apply for happyman?

Re: Commerce Bank

fltireguy — Wed, 13 Sep 2017 11:47:22 GMT

Happy man, I wouldn't worry about the inq.... I have 4x as many as you do and was just approved for $15k with lower scores as well

Re: Commerce Bank

Anonymous — Wed, 13 Sep 2017 12:00:33 GMT

@bigpoppa09 wrote:
Which card did u apply for happyman?

I can't remember the exact one but it's the rewards card that offers the 150 sign up offer after spending 500...rewards aren't great but wanted in with the bank.