topic Re: Fred Meyers Visa (US Bank) with a 4yo BK? in Credit Card Applications

Fred Meyers Visa (US Bank) with a 4yo BK?

morgacj2004 — Sun, 22 May 2016 23:02:24 GMT

I shop a LOT at Fred Meyers and was recently mailed an app for this card. Any chance of getting approved. Prev read that US Bank is not BK friendly?

Re: Fred Meyers Visa (US Bank) with a 4yo BK?

creditguy — Mon, 23 May 2016 03:43:55 GMT

I wouldn't waste the HP. I don't know if they have a set amount of years after BK or deny outright for having a BK, but I have seen people turned down for secured cards at us bank because they had a BK reporting on their CR.

Re: Fred Meyers Visa (US Bank) with a 4yo BK?

CatOfSpades — Mon, 23 May 2016 05:49:52 GMT

My experience with US Bank is that they're pretty hard on people. You might want to wait. If you do get approved, they'd likely stick you with an uber low limit. They're like Bank of America when it comes to approving people and dishing out limits.

Re: Fred Meyers Visa (US Bank) with a 4yo BK?

SnowBowl — Mon, 23 May 2016 18:53:53 GMT

I got in with US Bank when my BK was 5 and half years old at that time. but it was Cash Rewards not Cash + like it is now as my BK is over 8 years old right now. hope this piece of data helps.

Re: Fred Meyers Visa (US Bank) with a 4yo BK?

pizza1 — Mon, 23 May 2016 22:09:41 GMT

my advice (from a fellow BK'er to another)..know you lender limits. US bank is worse that Citi in my opinion. But are NOT BK friendly in the least (on the legacy cards). I think the min could be 5 yrs+ post, and a few on the boards have been able to get in if they weren't IIB. I even avoid USB...lol!!

Re: Fred Meyers Visa (US Bank) with a 4yo BK?

RonM21 — Sun, 29 May 2016 14:34:01 GMT

This doesn't sound good OP. Please update with the outcome. Best of luck