topic Re: US Bank Shield 24 mo BT 0%? Thoughts? in Credit Cards

US Bank Shield 24 mo BT 0%? Thoughts?

youngandcreditwrthy — Sun, 11 May 2025 01:11:04 GMT

Are any ppl applying getting and using this card?

Curious who their demo is ? That's kind of an encouraging way to accrue debt if big limits with terrible post intro APRs are given......

Although I did just open an 18 mo BOA BT card. This card is interesting. Any expierncies good or bad with USBank Shield card folks? Like what do we think the min app stats are req'ed? We KNOW BOA dislikes new accounts and recent inquiries, right?

Re: US Bank Shield 24 mo BT 0%? Thoughts?

GZG — Sun, 11 May 2025 05:14:57 GMT

@youngandcreditwrthy wrote:
Are any ppl applying getting and using this card?

Curious who their demo is ? That's kind of an encouraging way to accrue debt if big limits with terrible post intro APRs are given......

Although I did just open an 18 mo BOA BT card. This card is interesting. Any expierncies good or bad with USBank Shield card folks? Like what do we think the min app stats are req'ed? We KNOW BOA dislikes new accounts and recent inquiries, right?

from: https://www.usbank.com/credit-cards.html you can click the 'learn more' buttons on the cards to potentially get a card link to open that has a pre-approval link on it

if pre-approved, you are brought to a final submission screen

at this point, don't submit right away, call and ask for the limit and APR the computer has for the pre-approval application

it's not 100% assured you'll get that, but if you see a high limit/low apr, I would be fairly confident to submit the app after that

Re: US Bank Shield 24 mo BT 0%? Thoughts?

tcbofade — Mon, 12 May 2025 23:40:27 GMT

I just picked one up for the 24 month zero percent deal and am putting a large purchase on it.

Score was over 800, no new credit cards in the last 12 months, starting line is $17k.

Re: US Bank Shield 24 mo BT 0%? Thoughts?

tcbofade — Wed, 14 May 2025 16:58:17 GMT

Did we lose the ability to edit posts?

Approval thread link: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Shield/m-p/6817183#M896065

Re: US Bank Shield 24 mo BT 0%? Thoughts?

ptatohed — Sat, 17 May 2025 07:28:10 GMT

@tcbofade wrote:
Did we lose the ability to edit posts?

Approval thread link: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Shield/m-p/6817183#M896065

Yes, after a certain time period. I don't know what it is but feels like 24, maybe 36 hours.

Re: US Bank Shield 24 mo BT 0%? Thoughts?

Kforce — Sun, 18 May 2025 16:02:51 GMT

@ptatohed wrote:
@tcbofade wrote:
Did we lose the ability to edit posts?

Yes, after a certain time period. I don't know what it is but feels like 24, maybe 36 hours.

Will do a rainy day test.

--------------------------------------------

Start: 5/17/2025 -- 10:10 AM

Good: 5/18/2025 -- 9:10 AM / 23 Hrs

Re: US Bank Shield 24 mo BT 0%? Thoughts?

LivingTheAmericanDream — Sat, 17 May 2025 17:53:45 GMT

24 mos. BT. Sounds like a no-brainer if you are carrying some debt. Otherwise, card seems meh...(And, like many other issuers, US Bank is pushing their travel center. We just booked a trip through booking.com; tried Chase, CapOne, Citi travel centers but they were much higher than pure travel sites.)

Re: US Bank Shield 24 mo BT 0%? Thoughts?

Kforce — Sun, 18 May 2025 17:17:03 GMT

@Kforce wrote:
@ptatohed wrote:
@tcbofade wrote:
Did we lose the ability to edit posts?

Yes, after a certain time period. I don't know what it is but feels like 24, maybe 36 hours.

Will do a rainy day test.
--------------------------------------------
Start: 5/17/2025 -- 10:10 AM
Good: 5/18/2025 -- 9:10 AM / 23 Hrs

@ptatohed and @tcbofade the answer is:

Would not let me edit at 5/18/2025 -- 10:10 AM, exactly 24 Hrs from post.

Answer is 23 hours and 59 minutes before being locked out.

Re: US Bank Shield 24 mo BT 0%? Thoughts?

Gmoney144 — Mon, 19 May 2025 05:24:27 GMT

Utilizing a balance transfer card is how I renovated my kitchen, yard and solor( all separate promo offers). I never understand why homeowners take out a HELOC when it can be done for 0% financing.

Re: US Bank Shield 24 mo BT 0%? Thoughts?

ptatohed — Mon, 19 May 2025 07:09:39 GMT

@Kforce wrote:
@Kforce wrote:
@ptatohed wrote:
@tcbofade wrote:
Did we lose the ability to edit posts?

Yes, after a certain time period. I don't know what it is but feels like 24, maybe 36 hours.

Will do a rainy day test.
--------------------------------------------
Start: 5/17/2025 -- 10:10 AM
Good: 5/18/2025 -- 9:10 AM / 23 Hrs

@ptatohed and @tcbofade the answer is:
Would not let me edit at 5/18/2025 -- 10:10 AM, exactly 24 Hrs from post.
Answer is 23 hours and 59 minutes before being locked out.

That's awesome, thanks K! :thumbsup: