topic Re: US Bank Preapproval - nore contour. in Credit Cards

US Bank Preapproval - nore contour.

gibeon — Fri, 06 Nov 2015 22:54:40 GMT

So US Bank used to come back with the contour card every time I checked for preapprovals. Then they started showing a 1% cash something-or-other for a couple months.

As of today they are showing the 1% AND the REI MasterCard. However, the APRs are ranges, so I'm not apping.

Has anyone gotten a solid, single APR on their prequal, or is it always "floaty?"

I don't have a use for the 1% card, but could definitely make use of the REI card.

Thanks,
Gib

Re: US Bank Preapproval - nore contour.

Anonymous — Sat, 07 Nov 2015 01:35:45 GMT

We have a torrid relationship. Only bank I will not seek credit from.

If there's a red bar above the card, you're golden.

If you have a relationship with them, you have a better shot. Keyword BETTER not guaranteed.

Re: US Bank Preapproval - nore contour.

Anonymous — Sat, 07 Nov 2015 03:23:20 GMT

I used to be pre-selectec for the flex perks with a solid apr (16.99%) and the contour debit card, but never respond the offer, few weeks ago I don't get anything , I don't know why, nothing has changed on my credit report

Re: US Bank Preapproval - nore contour.

B335is — Sat, 07 Nov 2015 07:55:29 GMT

US Bank pre approvals are generally unreliable. Years ago I was only pre approved for the Contour but they ended up approving me for a Cash+ and eventually two others. It really depends more on what your reports look like. If it's your first app it will almost always be manually reviewed. And even then, the automated system is never in line with what the actual decision is.

Re: US Bank Preapproval - nore contour.

TiggerDat — Sat, 07 Nov 2015 14:26:13 GMT

I used to only get the Contour offer also, for about two weeks now they have been telling me my recommended offers are Perks + and Cash +. I just checked again for the 'Red Bar' and while it is not there now they are also adding the Cash Rewards card as an option. I think I will wait for the 'Red Bar' or an APR which is set.

Re: US Bank Preapproval - nore contour.

gibeon — Sat, 07 Nov 2015 14:32:28 GMT

Thanks everyone!

I'm going to leave it alone for now and see what happens. I have no red bar, and no set APR, and then there's the threat of manual review - I have 26 new accounts this year, so yeah... probably not going to happen.

Re: US Bank Preapproval - nore contour.

Anonymous — Sat, 07 Nov 2015 14:55:18 GMT

Someone posted a pic of the mysterious Red Bar on these forums. If I weren't on my phone iid find it.

Re: US Bank Preapproval - nore contour.

gibeon — Sat, 07 Nov 2015 14:59:23 GMT

Found it! Yeah, I'm definitely not getting the red bar!

http://ficoforums.myfico.com/t5/Credit-Cards/USBank-Prequal-is-it-legit/td-p/4269295/page/3

Re: US Bank Preapproval - nore contour.

Jerry45 — Sat, 07 Nov 2015 15:49:02 GMT

@gibeon wrote:
So US Bank used to come back with the contour card every time I checked for preapprovals. Then they started showing a 1% cash something-or-other for a couple months.

As of today they are showing the 1% AND the REI MasterCard. However, the APRs are ranges, so I'm not apping.

Has anyone gotten a solid, single APR on their prequal, or is it always "floaty?"

I don't have a use for the 1% card, but could definitely make use of the REI card.

Thanks,
Gib

US bank is rough