topic Re: Random US Bank call in Credit Cards

Random US Bank call

MoneyBurns — Fri, 23 Dec 2016 05:14:23 GMT

Hi I was wondering if anyone has experienced the same thing before. Thanks!

Okay I know I'm probably being paranoid saying this but do banks just call and ask how you are doing? I got a call from an 800 number and it was a US Bank representative asking if he could speak to me. I say sure, what's going on and the representative tells me that the call is being recorded. I felt that it's pretty standard so I said okay.

It just felt weird. He asks blantly, "So how are you liking the credit card?" "It's good. I like using it." "So you only had the card a few months...... but I wanna know if there's more we can do. APR reduction? Anything at all? Are you happy?" "Yes." "Well I hope you like the card. Have a good day."

I just felt odd. I got concerned because of the inquiries I assimilated these last 3 months. Around 8 or so. I know they can be conservative. Had anyone ever had a bank just randomly call them? Maybe it was just the tone of the conversation.

Anyways. I just needed to share that and ask if people had similar experiences. Thanks for your time!

Sabre

Re: Random US Bank call

Schwartzinator — Fri, 23 Dec 2016 05:24:24 GMT

I recieved a similar call from them after I opened my first card. They may also call you if you visit their auto/mortgage loan page.

Re: Random US Bank call

Anonymous — Fri, 23 Dec 2016 06:57:38 GMT

I get calls whenever I try their preapproval link for credit cards. So nothing out of ordinary for getting call from themy. Usually it will be their online department that calls customers.

Re: Random US Bank call

Anonymous — Fri, 23 Dec 2016 09:10:50 GMT

US Bank calls me all the time. They just like to check in and will offer my deals that I just can't get online.

I can't seem to get anything online (not even a small CLI), but it seems that every time they call me, I end up with something good (0% APR card, LOC, etc). I actually saved their number in my contacts to ensure that I can grab the phone whenever they call.

Re: Random US Bank call

Anonymous — Fri, 23 Dec 2016 09:55:08 GMT

Get the calls myself and they come around June under the umbrella of a banking checkup but, they really want me to take out a US Bank HELOC. My success with US Bank has been sitting in a Personal Banking Representative's Office where they process my requests. Seems to get me good approvals every time.

Re: Random US Bank call

galahad15 — Fri, 23 Dec 2016 14:58:52 GMT

I've had my Cash+ card since May/June of this year, but I have never received any calls thus far from US Bank. Possibly could be due to the fact that my initial app for the Cash+ was denied and only approved on recon, albeit with only a $500 SL?

Also: I thought I had read earlier on the forum that similar to Chase, US Bank doesn't consider or grant APR reduction requests? Or has something changed regarding their policy on APR reduction requests, to allow greater flexibility?

Re: Random US Bank call

NRB525 — Fri, 23 Dec 2016 14:22:08 GMT

@galahad15 wrote:
I've had my Cash+ card since May/June of this year, but I have never received any calls thus from US Bank. Possibly could be due to the fact that my initial app for the Cash+ was denied and only approved on recon, albeit with only a $500 SL?

Also: I thought I had read earlier on the forum that similar to Chase, US Bank doesn't consider or grant APR reduction requests? Or has something changed regarding their policy on APR reduction requests, to allow greater flexibility?

They have not granted any of my requests for APR reduction, other than temporary minor reductions. On the other hand, you may be getting BT offers for a 4% fee, so there's that.

Back to the OP question, US Bank called me in 2009, after I had a mortgage with them for a year, to give me a basic rewards card, while I had oodles of open balances and high utilization on all cards. Then they called me in 2011 to give me a Cash+ card when I did not respond to their mail offers to PC the first card to Cash+. They have called on a couple other occasions, once after I'd run the first card up to $4k - $5k and was carrying interest costs. Asked me to make some significant payments to bring it down, which I did. Other calls just to check on how things are going, whether I need anything else.

Re: Random US Bank call

Anonymous — Fri, 23 Dec 2016 19:32:44 GMT

US Bank never would offer permanent Apr reductions to me.

Re: Random US Bank call

MoneyBurns — Sat, 24 Dec 2016 03:19:23 GMT

Thank you for the chimes everyone. I tought they wanted to just "check in" because of my 8+ inquiries since getting the card in November.

They seem like a good bank to be doing business with. Most my other banks haven't called me or offered me anything via a phone call. I usually get offers through email. I'm hoping they will have a Gold Checkings Offer (Bonus) so I can bank with them so that I can deposit my rewards rather than having statement credit. I know it's basically the same thing, but I just like having the reward dollars directly deposited. Come on US Bank send those coupons out!!

Re: Random US Bank call

Anonymous — Sat, 24 Dec 2016 06:51:56 GMT

I love USBank. They are very good to ppl who have a banking relationship in addition to a credit card. Open a savings if you don't have one. Watch the pre-approvals come in then.

Re: Random US Bank call

AverageJoesCredit — Sat, 24 Dec 2016 14:50:58 GMT

Not related per se but when i first got my Boa BBR, received a call from them within 1st couple days asking how i was and about my card.

Re: Random US Bank call

Anonymous — Sat, 24 Dec 2016 15:12:36 GMT

They have called me. They are pretty cool bank IMHO. they gave me a 4000$ CLI not long ago taking me to 13k. Said because the admire how well I handle my account so here's an extra 4000$ CLI.
They defiantly want to make sure they make their customers happy. One of the banks that gave me a shot with a not so good CR. Was my first signature card too. Started me out at 9000 SL. I thought they closed it when I logged into my account so I called them right away.
I told her it shows nothing for an available credit. The SR laughed and said yes your card will show that because the amount is just a soft cap and you can go over the amount just make sure you pay the overages in full.
I was like WOW. So I was pretty stoked.

Re: Random US Bank call

Schwartzinator — Sat, 24 Dec 2016 16:32:36 GMT

I've gotten both a permanent APR reduction as well as temporary/promotional offers.

Re: Random US Bank call

Anonymous — Thu, 29 Dec 2016 06:23:59 GMT

This sounds close to a spear phishing or ciminal tactic to get some basic information (or more) from you. I wouldn't give personal information to anyone who calls me cold.

Re: Random US Bank call

Anonymous — Thu, 29 Dec 2016 07:15:57 GMT

@AverageJoesCredit wrote:
Not related per se but when i first got my Boa BBR, received a call from them within 1st couple days asking how i was and about my card.

I've received calls from BoA too.