topic Re: Key Bank Cards in Credit Cards

Key Bank Cards

B335is — Mon, 03 Mar 2014 21:55:22 GMT

Does anybody have experience with them? I know they used to be serviced by Elan, but it looks like Key Bank does the backing now.

Key Bank

Re: Key Bank Cards

longtime_lurker — Mon, 03 Mar 2014 22:19:13 GMT

My first question would be how much the "Key Bank relationship points" are worth?

The first card listed is 5 points/dollar, and the second is 1/dollar... leads me to think .002?

Re: Key Bank Cards

Themanwhocan — Mon, 03 Mar 2014 22:47:39 GMT

About 5.2 points = 1 cent

Re: Key Bank Cards

B335is — Mon, 03 Mar 2014 23:12:16 GMT

Wow, so even if I were to get the 25k bonus offer that ends up being $48 lol.

Any idea how they are with approvals or who they like to pull?

Re: Key Bank Cards

Themanwhocan — Tue, 04 Mar 2014 00:43:47 GMT

It looks like they only pull Equifax, Experian and Transunion.

Re: Key Bank Cards

B335is — Tue, 04 Mar 2014 01:18:39 GMT

@Themanwhocan wrote:
It looks like they only pull Equifax, Experian and Transunion.

Really?

Re: Key Bank Cards

Anonymous — Tue, 04 Mar 2014 01:23:45 GMT

@B335is wrote:
Wow, so even if I were to get the 25k bonus offer that ends up being $48 lol.

Any idea how they are with approvals or who they like to pull?

Equifax in NY

Re: Key Bank Cards

B335is — Tue, 04 Mar 2014 01:44:41 GMT

Thanks Notfancy, I'm thinking thats what they pull in MI too.

Do you have one of their cards?

Re: Key Bank Cards

daninbath — Tue, 04 Mar 2014 02:02:33 GMT

I have the "more rewards for you" card. I received it last month.

I think they pulled EQ which is 741. I got 15 months no interest, including balance transfers. though there is a fee (4%) for the balance transfers. 15.99%, whcih wasn't their lowest. This was from a pre-approval in the mail.

The credit limit was the best part..they started me at $10,000 which is my highest card.

I got the card because I bank with them and get lots of rewards points each time I pay a bill or do anything with my checking account. I got 25,000 bonus points for approval and then extra for spending a certain amount the first month.

I believe they actually service their own cards now. The card took 2 full weeks to arrive, so be patient.

Re: Key Bank Cards

Themanwhocan — Tue, 04 Mar 2014 02:07:33 GMT

@B335is wrote:
@Themanwhocan wrote:
It looks like they only pull Equifax, Experian and Transunion.
Really?

Thats what the Credit Pulls database shows. They can pull any one of those three.

Re: Key Bank Cards

Anonymous — Tue, 04 Mar 2014 02:23:52 GMT

@B335is wrote:
Thanks Notfancy, I'm thinking thats what they pull in MI too.

Do you have one of their cards?

I don't. I applied a while ago and my reports were messier than I was aware of, and I probably also had too many inquiries.

Re: Key Bank Cards

B335is — Tue, 04 Mar 2014 02:28:16 GMT

@daninbath wrote:
I have the "more rewards for you" card. I received it last month.

I think they pulled EQ which is 741. I got 15 months no interest, including balance transfers. though there is a fee (4%) for the balance transfers. 15.99%, whcih wasn't their lowest. This was from a pre-approval in the mail.

The credit limit was the best part..they started me at $10,000 which is my highest card.

I got the card because I bank with them and get lots of rewards points each time I pay a bill or do anything with my checking account. I got 25,000 bonus points for approval and then extra for spending a certain amount the first month.

I believe they actually service their own cards now. The card took 2 full weeks to arrive, so be patient.

Interesting and thank you for the info!

Did they give instant approval? I dont bank with them but theyre popular in my location.

Re: Key Bank Cards

B335is — Tue, 04 Mar 2014 02:37:52 GMT

@Themanwhocan wrote:
@B335is wrote:
@Themanwhocan wrote:
It looks like they only pull Equifax, Experian and Transunion.
Really?
Thats what the Credit Pulls database shows. They can pull any one of those three.

Thats is the first place I looked! I was asking if they had a preferred bureau like so many others do

Re: Key Bank Cards

grinlikechelsea — Tue, 04 Mar 2014 03:21:56 GMT

What's the appeal of these cards? I understand if you had the rewards checking account and only wanted one card, I guess it would be okay, but the rewards seem meh.

Re: Key Bank Cards

B335is — Tue, 04 Mar 2014 03:37:04 GMT

It isn't so much the rewards but adding a relationship.

Re: Key Bank Cards

longtime_lurker — Tue, 04 Mar 2014 03:45:11 GMT

@B335is wrote:
It isn't so much the rewards but adding a relationship.

MSUFCU *cough cough*

Re: Key Bank Cards

daninbath — Tue, 04 Mar 2014 04:01:35 GMT

I did get instant approval but had to call in for the CL and like I said it took two full weeks for the card to arrive. I have banked witht them for over 11 years and generally have a high balance in my checking account. The pre-approval offer was better than their online deal. Their point system isn't so great, but this card does get 5 points per dollar, while my debit card with them is only 1/5 point per dollar.

Re: Key Bank Cards

B335is — Tue, 04 Mar 2014 04:32:27 GMT

@longtime_lurker wrote:
@B335is wrote:
It isn't so much the rewards but adding a relationship.
MSUFCU *cough cough*

They pull EX I'm saving those pulls for Citi.

Re: Key Bank Cards

emptypockets — Tue, 18 Mar 2014 01:53:37 GMT

I happened to speak with a banker at Key Bank the other day - they pull EQ ( I'm in Miichigan).

Re: Key Bank Cards

B335is — Tue, 18 Mar 2014 01:57:53 GMT

@emptypockets wrote:
I happened to speak with a banker at Key Bank the other day - they pull EQ ( I'm in Miichigan).

Michigan here too. Part of me wants to try another says I should stop