topic Re: How solid is the USBank Prequalify with a red banner? in Credit Cards

How solid is the USBank Prequalify with a red banner?

Royalbacon — Tue, 11 Oct 2016 20:44:56 GMT

Only card to show up fpr me on the prequalifier, it has the red banner and a set APR of 19.24%

App'd and got the 7-10 day message (which I know is normal for USBank but is it normal for the prequalified red banner cards too??)

Already got a USBank Cash+ I product changed from the Cash Rewards when they got rid of the cash rewards a few months back which has been sock drawered since, and a checking account I barely use that I keep open because it's free (And has a Minnesota Vikings debit card ) But would love to have a 2nd cash+ card (or to combine them together)

And can you have a 2nd Cash+ Card if you already got one? Or did I just waste a HP?

Re: How solid is the USBank Prequalify with a red banner?

Anonymous — Tue, 11 Oct 2016 20:51:22 GMT

I think you will be golden. US bank is like credit union, most of the time it reviews application before approving.

Re: How solid is the USBank Prequalify with a red banner?

Royalbacon — Tue, 11 Oct 2016 21:29:39 GMT

@Anonymous wrote:
I think you will be golden. US bank is like credit union, most of the time it reviews application before approving.

Can you get approved for a 2nd Cash+ card if you already have one though? Thank you

Re: How solid is the USBank Prequalify with a red banner?

satasat360 — Tue, 11 Oct 2016 21:38:08 GMT

@Royalbacon wrote:
@Anonymous wrote:
I think you will be golden. US bank is like credit union, most of the time it reviews application before approving.
Can you get approved for a 2nd Cash+ card if you already have one though? Thank you

yes you can, i have seen a contributor in this site have 2 cash+

Re: How solid is the USBank Prequalify with a red banner?

Anonymous — Tue, 11 Oct 2016 22:17:37 GMT

@satasat360 wrote:
@Royalbacon wrote:
@Anonymous wrote:
I think you will be golden. US bank is like credit union, most of the time it reviews application before approving.
Can you get approved for a 2nd Cash+ card if you already have one though? Thank you
yes you can, i have seen a contributor in this site have 2 cash+

Yes, TheManWhoCan has two, and my wife has one in her name and a joint one with me (not AU)

Re: How solid is the USBank Prequalify with a red banner?

barthooper — Wed, 12 Oct 2016 04:07:34 GMT

Does the US Bank prequal never show anything for anyone else? It used to show their Contour card for me, but then ever since they opened up the Cash+ to online apps, nothing. I've got a great score so I'm thlinking they still have some sort of geographic restriction? Used to be interested in the Cash+ but not anymore, so this is more for curiosity.

Re: How solid is the USBank Prequalify with a red banner?

brewcrew87 — Wed, 12 Oct 2016 14:39:36 GMT

@Royalbacon wrote:
@Anonymous wrote:
I think you will be golden. US bank is like credit union, most of the time it reviews application before approving.
Can you get approved for a 2nd Cash+ card if you already have one though? Thank you

Like other said, it appears so... I already have a Cash+ from them, and they are sending me mailers every week for another Cash+ with a signup bonus.

I never really use my Cash+ anymore since I got my Ink+, otherwise I would've jumped on the second Cash+ offer.

Re: How solid is the USBank Prequalify with a red banner?

CreditUnionFan — Sun, 30 Oct 2016 17:45:57 GMT

@barthooper wrote:
Does the US Bank prequal never show anything for anyone else? It used to show their Contour card for me, but then ever since they opened up the Cash+ to online apps, nothing. I've got a great score so I'm thlinking they still have some sort of geographic restriction? Used to be interested in the Cash+ but not anymore, so this is more for curiosity.

I had nothing appear for a very long time. Every so often something will appear, disappear, then reappear again.

Re: How solid is the USBank Prequalify with a red banner?

Creditplz — Sun, 30 Oct 2016 18:20:01 GMT

I think it can go either way... I've been "Pre-Approved" online and in branch for their Cash+ with solid APR and been declined both times...

Re: How solid is the USBank Prequalify with a red banner?

CYBERSAM — Mon, 31 Oct 2016 03:43:26 GMT

@Creditplz wrote:
I think it can go either way... I've been "Pre-Approved" online and in branch for their Cash+ with solid APR and been declined both times...

What is your score?

I like to get with USBank and this card looks good!

Re: How solid is the USBank Prequalify with a red banner?

Creditplz — Mon, 31 Oct 2016 03:57:09 GMT

EX Fico 8 which they've always pulled for me is 751 but it was 743 when I applied

Re: How solid is the USBank Prequalify with a red banner?

CYBERSAM — Mon, 31 Oct 2016 04:16:05 GMT

@Creditplz wrote:
EX Fico 8 which they've always pulled for me is 751 but it was 743 when I applied

wow that is strange! did you had a account with them in the past?

Re: How solid is the USBank Prequalify with a red banner?

Creditplz — Mon, 31 Oct 2016 04:32:13 GMT

Yeah a Business Checking, personal checking, and a Platinum Visa CC that was 0/1150. Needless to say as of Friday I have 0 accounts with US Bank... they wouldn't consider a CLI even with high balances in my checking accounts and good history with them for a year. I burned 2 HP on their Pre-Approvals with solid APR in 4 months, once for a Flex-perks? And once for a Cash+