topic us bank in Credit Card Applications

us bank

britt585 — Thu, 23 Apr 2020 14:04:31 GMT

good morning...I've been seeing alot of us bank approvals where TU was pulled....Not in ga....do they pull randomly or is it just certain states?

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JR_TX — Thu, 23 Apr 2020 14:55:29 GMT

I think by State/Region as they pull EQ here in TX.

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Anonymous — Thu, 23 Apr 2020 17:59:19 GMT

All 4 pulls I have from them have been EX, so I imagine it's a state/region thing. I'm in CO.

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Winesnoblv — Thu, 23 Apr 2020 18:03:27 GMT

Every pull I have had is EX.

I am in Nevada.

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blindambition — Thu, 23 Apr 2020 18:05:45 GMT

State/Region. You will find many states have a CRA preference. Even if lenders predominantly pulls from a specific agency.

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dragontears — Thu, 23 Apr 2020 20:28:41 GMT

It tends to be regional as others have said but there is a randomness to it as well as I have had it be EX or TU all while living in the same state

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M_Smart007 — Sat, 25 Apr 2020 04:43:37 GMT

State/Region.>> TU in California

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beutiful5678 — Sun, 26 Apr 2020 02:46:04 GMT

I spoke with a branch manager here in CO a while back when I had a 0% offer. I asked him score & bureau details because my credit reports & scores are still recovering from my irresponsible 20's. He recommended I apply in-branch because, while they normally pull Experian here in Colorado, they will pull a different bureau if you ask them to while doing an in-branch application.

Re: us bank

Remedios — Sun, 26 Apr 2020 02:49:56 GMT

@britt585 considering all the credit seeking you've done in the past 6 months or so, I'd look elsewhere

US Bank will tolerate 1 new account, maybe two in a year if they really "like" your profile. I dont think you'll have much luck there

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Wavester64 — Tue, 28 Apr 2020 18:26:18 GMT

@Remedios wrote:
@britt585 considering all the credit seeking you've done in the past 6 months or so, I'd look elsewhere

US Bank will tolerate 1 new account, maybe two in a year if they really "like" your profile. I dont think you'll have much luck there

Agreed. I was 3/6 at the time with a baddie and they weren't interested in me

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coreysw12 — Wed, 29 Apr 2020 03:25:13 GMT

I wish US Bank would bring back their online pre-qualification tool.

I've been very apprehensive about cold-applying for them again since I got rejected last year. I don't think I'm ever going to apply again unless I happen to get a promising mailer from them.