topic Re: Any US bank cards worth a HP ? in Credit Card Applications

Any US bank cards worth a HP ?

Anonymous — Thu, 22 Jan 2015 01:56:06 GMT

What CRA they pull ? I'm in FL

Re: Any US bank cards worth a HP ?

Themanwhocan — Thu, 22 Jan 2015 02:00:34 GMT

Personal or business cards?

Re: Any US bank cards worth a HP ?

uswala — Thu, 22 Jan 2015 02:12:58 GMT

They pulled EQ for both my personal cards.

Re: Any US bank cards worth a HP ?

Anonymous — Thu, 22 Jan 2015 02:19:51 GMT

EQ for business for me.. But you can check the credit pull database to get a better sense of what CRA is pulled in your location.

Re: Any US bank cards worth a HP ?

Anonymous — Thu, 22 Jan 2015 02:22:55 GMT

go credit board and it will tell you what they pull for florida and the limits given based on the scores.

Re: Any US bank cards worth a HP ?

B335is — Thu, 22 Jan 2015 02:23:21 GMT

US Bank will pull from any of them. They also pull IDA/ARS or whatever it's called. They pulled TU when I lived in MI, then EX when I moved to CA. So credit pulls is your friend.

They have some ok cards, we need more info on what you consider decent though.

Re: Any US bank cards worth a HP ?

Anonymous — Thu, 22 Jan 2015 02:24:56 GMT

They pulled EX for your club carlson?

Re: Any US bank cards worth a HP ?

Anonymous — Thu, 22 Jan 2015 02:27:02 GMT

@Anonymous wrote:
What CRA they pull ? I'm in FL

US Bank is EXTREMELY conservative about who they lend money/credit to. Unless your fico is above 680 - you have 'somewhat' of a chance. They pull Equifax. Their guidelines are pretty strict. They are big on 'debt to income' ratio.

Re: Any US bank cards worth a HP ?

chalupaman — Thu, 22 Jan 2015 02:30:24 GMT

Make sure you have some kind of product with US Bank before applying. It really can make a difference IMO. They are one of those relationship banks.

Here in GA, they pull from EQ.

Re: Any US bank cards worth a HP ?

CreditCuriosity — Thu, 22 Jan 2015 02:35:13 GMT

EX In Tenn typically.

Re: Any US bank cards worth a HP ?

Anonymous — Thu, 22 Jan 2015 02:53:25 GMT

I live in NJ and they have pulled Eq and Tu. I believe it varies depending on the product you are apping for. When I opened my card they used TU, but when I applied for cash rewards card they pulled Eq.

Re: Any US bank cards worth a HP ?

Anonymous — Sat, 14 Feb 2015 10:27:01 GMT

@Anonymous wrote:
What CRA they pull ? I'm in FL
the cash rewardsthe cash rewards + is worth a shot

i have the basic cash rewards and the platinum card

Re: Any US bank cards worth a HP ?

Anonymous — Sat, 14 Feb 2015 10:33:14 GMT

@Anonymous wrote:
@Anonymous wrote:
What CRA they pull ? I'm in FL
the cash rewardsthe cash rewards + is worth a shot
i have the basic cash rewards and the platinum card

Obtained the US Bank Cash+ Visa Signature early fall of 2012. Fabulous card back then. Today, they eliminated and narrowed the categories so much it has almost become another Chase Freedom, Discover Card, or Citi Dividend Card. The odds of making any real rewards now is gone. As a general use card it lost it's luster. Just p/c'd my card to a different US Bank Card.

Re: Any US bank cards worth a HP ?

racer-x — Sat, 14 Feb 2015 12:55:34 GMT

USuck Bank is awful Stay away. You have been warned.

lol.

An no, I'm not being petty by holding a grudge for being CLD'd to 97.1% utilization on a PLOC acct. I direct deposit with them for nearly 10 yrs, have 2 other CC's with them, and a RLOC, in addition to the PLOC. I have 4 accts with $31k in CL's that report to the CRA.s, now it's $24k-ish.

No loyalty. I took a coerced HP to try to get some or all of my CL back, no go. The HP just added salt to the wound. It was BS to tell me they had to do a HP to even consider reinstating my original CL.

SD'd everything, and moving all my banking to my CU.

Re: Any US bank cards worth a HP ?

chalupaman — Sat, 14 Feb 2015 13:03:09 GMT

I only got in with US Bank in the hopes they'd come out with something good to replace the the Nerf Plus. So far, I guess not but Club Carlson isn't out of the question for me so I think getting in with them was worth it for that.

Re: Any US bank cards worth a HP ?

Imhotrodcrazy — Sat, 14 Feb 2015 19:20:17 GMT

Don't believe a word they say.

Re: Any US bank cards worth a HP ?

B335is — Sat, 14 Feb 2015 19:45:11 GMT

I really think Club Carlson is the only card(s) with decent value left at US Bank. Redemption isn't bad but it's a stretch to find any locations in Hawaii + overseas hotels.

Korean Air is also decent if they would ever bump the bonus.