topic Re: Update in Credit Card Applications

Update

Anonymous — Thu, 13 Nov 2014 01:25:36 GMT

So I have a update to everyone. I posted early about being approved for a Toyota rewards visa and a us bank platum card! I didnt relize toyota visa is underwritten by Elan finical and which is own by US Bank. I call after geeting a denal letter in the mail and they said they wont recon and I will get my US Bank card in the mail. I finally got the US Bank in the mail. Guess what. It was closed. Fruad that is was a bad account so they shut it. I have a another us bank account creadit card for 10 months and they shut down my new account. I recon with Citi on my thank you prefer card and my CLI on my foreward card . I called the executive office and I will get a call back no later then friday!

Re: Update

Anonymous — Thu, 13 Nov 2014 03:37:24 GMT

US bank is crazy sometime !once I was approved online and then i got denail letter !

Re: Update

Anonymous — Thu, 13 Nov 2014 05:20:28 GMT

@Anonymous wrote:
US bank is crazy sometime !once I was approved online and then i got denail letter !

Looks like a bank I won't be doing business with then.

Re: Update

FinStar — Thu, 13 Nov 2014 06:41:33 GMT

@Anonymous wrote:
@Anonymous wrote:
US bank is crazy sometime !once I was approved online and then i got denail letter !
Looks like a bank I won't be doing business with then.

Ummm, we really don't know the full story. Themanwhocan has 2 US Bank Cash+ cards. A fair amount of folks here have anywhere from 1 to 3 US Bank CCs. I have 2, including the Cash+ and I've never had any issues with US Bank.

Re: Update

Anonymous — Thu, 13 Nov 2014 07:04:25 GMT

Yeah, There is that, not to mention the fact that when I apped for a US Bank card, they didnt pull my report and sent me a letter stating they were out of my geographical area. So my comment was halfway tongue in cheek.

Re: Update

FinStar — Thu, 13 Nov 2014 07:25:28 GMT

@Anonymous wrote:
Yeah, There is that, not to mention the fact that when I apped for a US Bank card, they didnt pull my report and sent me a letter stating they were out of my geographical area. So my comment was halfway tongue in cheek.

Oh that's right, you're in TX. I think you still have the option for the Cash+ through the phone number that's been floating around here somewhere. Are there any other US Bank products that interest you or that you can apply for that don't have the geographical restriction? If it makes you feel any better, I can't get in with NFCU. But NASA FCU has worked wonders and OCCU didn't turn out too bad either (well except for a lot of folks who lost their Beavers and Ducks). UNFCU is also on my radar.

Re: Update

Themanwhocan — Thu, 13 Nov 2014 12:01:14 GMT

@FinStar wrote:
@Anonymous wrote:
@Anonymous wrote:
US bank is crazy sometime !once I was approved online and then i got denail letter !
Looks like a bank I won't be doing business with then.
Ummm, we really don't know the full story. Themanwhocan has 2 US Bank Cash+ cards. A fair amount of folks here have anywhere from 1 to 3 US Bank CCs. I have 2, including the Cash+ and I've never had any issues with US Bank.

And a US Bank credit card qualifies you for a 'gold' checking account, which has no monthly fees, and Gold checking qualifies you to have an EZ Checking account with no monthly fees as well.

I used to have 2 EZ Checking accounts, and used direct deposit to prevent the fees, but last week I switched one to Gold checking and now I don't have to bother with making sure i'm depositing enough money each month to waive the fees.

Just another reason I like US Bank.

Re: Update

Anonymous — Thu, 13 Nov 2014 14:36:26 GMT

@FinStar wrote:
@Anonymous wrote:
Yeah, There is that, not to mention the fact that when I apped for a US Bank card, they didnt pull my report and sent me a letter stating they were out of my geographical area. So my comment was halfway tongue in cheek.
Oh that's right, you're in TX. I think you still have the option for the Cash+ through the phone number that's been floating around here somewhere. Are there any other US Bank products that interest you or that you can apply for that don't have the geographical restriction? If it makes you feel any better, I can't get in with NFCU. But NASA FCU has worked wonders and OCCU didn't turn out too bad either (well except for a lot of folks who lost their Beavers and Ducks). UNFCU is also on my radar.

My credit isn't quite in US Bank's requirement range yet for the Cash+ right now, plus they're nerfing the card.

What do they usually pull? Because my EX is untouchable right now due to 12 INQ's on it.

Re: Update

baller4life — Thu, 13 Nov 2014 16:03:25 GMT

Nerfing Cash +? WTH??? Had no idea. And they are on my radar for next fall. Nixon, I'm in Texas too and yes we can apply by phone.

Re: Update

baller4life — Thu, 13 Nov 2014 16:13:13 GMT

Hey Nixon since you're in Texas have you checked out Randolph Brooks CU??? Great CU that all Texans are eligible to join. If not near a branch, you can join ACC to be eligible. TU puller.

Re: Update

Anonymous — Thu, 13 Nov 2014 16:09:35 GMT

@baller4life wrote:
Hey Nixon since you're in Texas have you checked out Randolph Brooks CU??? Great CU that all Texans are eligible to join. If not near a branch, you can join ACC to be eligible.

Just how great?

We're with DATCU now.

Re: Update

baller4life — Thu, 13 Nov 2014 16:16:55 GMT

Check out their site. They are generous and have great rates. Nothing wrong with having another CU in your back pocket. I'm joining next yr when my Chex entry falls off.

Re: Update

Anonymous — Thu, 13 Nov 2014 16:19:42 GMT

@baller4life wrote:
Check out their site. They are generous and have great rates. Nothing wrong with having another CU in your back pocket. I'm joining next yr when my Chex entry falls off.

Do they pull EQ?

I only have 3 INQ on EQ right now but my FICO is just a hair under 650 on that report as you can see.

Re: Update

baller4life — Thu, 13 Nov 2014 16:24:28 GMT

TU pullers

Re: Update

Anonymous — Thu, 13 Nov 2014 16:27:21 GMT

@baller4life wrote:
TU pullers

Do you join for credit?

Do they pull for join?

Re: Update

baller4life — Thu, 13 Nov 2014 16:29:04 GMT

Check pm