topic Re: US Bank Prequalifier in Credit Cards

US Bank Prequalifier

B335is — Tue, 26 Aug 2014 23:48:38 GMT

Anybody try this lately? For years all I got was their prepaid card. Today I got two recommendations. Platinum and Perks+, I probably shouldn't because Kroger card hasn't even arrived yet

Re: US Bank Prequalifier

Anonymous — Tue, 26 Aug 2014 23:58:33 GMT

I'm pre approved for the "countour card". Lol.

Re: US Bank Prequalifier

B335is — Wed, 27 Aug 2014 00:00:32 GMT

Does it say pre-approved or recommended?

Re: US Bank Prequalifier

mongstradamus — Wed, 27 Aug 2014 00:01:03 GMT

@B335is wrote:
Anybody try this lately? For years all I got was their prepaid card. Today I got two recommendations. Platinum and Perks+, I probably shouldn't because Kroger card hasn't even arrived yet

i got awarded korean skypass and perks, maybe they know i have CSP , so i could transfer points from UR to korean air lol

Re: US Bank Prequalifier

Peteyglad — Wed, 27 Aug 2014 00:01:16 GMT

Not pre approved for a single thing, just some recommended cards. And this is after I just got a 1.5k auto CLI on my Cash+ yesterday.

Re: US Bank Prequalifier

Skye12329 — Wed, 27 Aug 2014 00:05:42 GMT

I got pre-approved for one of their pre-paid cards and some recommendations.

Re: US Bank Prequalifier

Anonymous — Wed, 27 Aug 2014 00:10:45 GMT

B- I can say with 100% confidence that it is not to be trusted unless you see the opt out prescreen at the bottom of the page. Right before my Cash+ app, the system spit out a firm offer of credit just like Amex, Chase, Barclay and Citi (specific interest rate offered and opt out prescreen at the bottom). If you bank with them, here's a little trick- if you have a Silver checking, call and ask a rep if he/she can check to see if you qualify for their Gold checking. This will prompt the system to do a TU soft pull with a score. Then go check their prequal site. They can even tell you on the phone if you have prequal offers, too. This is all my experience last month, anyway. My HP on TU two days later was the same TU 04 score they mentioned on the phone two days earlier. Kroger card, though? You're gonna have to buy a truck load of Kroger brand products to get your $5 coupon. Lol

Re: US Bank Prequalifier

B335is — Wed, 27 Aug 2014 00:16:11 GMT

@Anonymous wrote:
B- I can say with 100% confidence that it is not to be trusted unless you see the opt out prescreen at the bottom of the page. Right before my Cash+ app, the system spit out a firm offer of credit just like Amex, Chase, Barclay and Citi (specific interest rate offered and opt out prescreen at the bottom). If you bank with them, here's a little trick- if you have a Silver checking, call and ask a rep if he/she can check to see if you qualify for their Gold checking. This will prompt the system to do a TU soft pull with a score. Then go check their prequal site. They can even tell you on the phone if you have prequal offers, too. This is all my experience last month, anyway. My HP on TU two days later was the same TU 04 score they mentioned on the phone two days earlier. Kroger card, though? You're gonna have to buy a truck load of Kroger brand products to get your $5 coupon. Lol

Ok that makes sense. I considered Perks+ but $100 sign up bonus isn't worth it and its rewards aren't good. Yeah, I got itchy and just app'd for Kroger last week. The check out girl mentioned it to me and I can't say no. As lame as the rewards are, it still beats my Walmart 1% lol

Re: US Bank Prequalifier

B335is — Wed, 27 Aug 2014 00:18:03 GMT

@mongstradamus wrote:
@B335is wrote:
Anybody try this lately? For years all I got was their prepaid card. Today I got two recommendations. Platinum and Perks+, I probably shouldn't because Kroger card hasn't even arrived yet
i got awarded korean skypass and perks, maybe they know i have CSP , so i could transfer points from UR to korean air lol

Have you thought about the Korean Air card? The bonus isn't much.

Re: US Bank Prequalifier

Anonymous — Wed, 27 Aug 2014 00:22:05 GMT

@B335is wrote:
@Anonymous wrote:
B- I can say with 100% confidence that it is not to be trusted unless you see the opt out prescreen at the bottom of the page. Right before my Cash+ app, the system spit out a firm offer of credit just like Amex, Chase, Barclay and Citi (specific interest rate offered and opt out prescreen at the bottom). If you bank with them, here's a little trick- if you have a Silver checking, call and ask a rep if he/she can check to see if you qualify for their Gold checking. This will prompt the system to do a TU soft pull with a score. Then go check their prequal site. They can even tell you on the phone if you have prequal offers, too. This is all my experience last month, anyway. My HP on TU two days later was the same TU 04 score they mentioned on the phone two days earlier. Kroger card, though? You're gonna have to buy a truck load of Kroger brand products to get your $5 coupon. Lol
Ok that makes sense. I considered Perks+ but $100 sign up bonus isn't worth it and its rewards aren't good. Yeah, I got itchy and just app'd for Kroger last week. The check out girl mentioned it to me and I can't say no. As lame as the rewards are, it still beats my Walmart 1% lol

You don't have SM, BCE or BCP? You could always set your Voice card to 3% groceries, right? I'd never app for it but call me crazy, I think the card looks pretty good.

Re: US Bank Prequalifier

mongstradamus — Wed, 27 Aug 2014 00:23:58 GMT

@B335is wrote:
@mongstradamus wrote:
@B335is wrote:
Anybody try this lately? For years all I got was their prepaid card. Today I got two recommendations. Platinum and Perks+, I probably shouldn't because Kroger card hasn't even arrived yet
i got awarded korean skypass and perks, maybe they know i have CSP , so i could transfer points from UR to korean air lol
Have you thought about the Korean Air card? The bonus isn't much.

i thought about it when it 35k offer earlier in the year 15k is more of an insult than 25k PRG offer i have been getting from amex!!!

Re: US Bank Prequalifier

B335is — Wed, 27 Aug 2014 00:51:55 GMT

@Anonymous wrote:
@B335is wrote:
@Anonymous wrote:
B- I can say with 100% confidence that it is not to be trusted unless you see the opt out prescreen at the bottom of the page. Right before my Cash+ app, the system spit out a firm offer of credit just like Amex, Chase, Barclay and Citi (specific interest rate offered and opt out prescreen at the bottom). If you bank with them, here's a little trick- if you have a Silver checking, call and ask a rep if he/she can check to see if you qualify for their Gold checking. This will prompt the system to do a TU soft pull with a score. Then go check their prequal site. They can even tell you on the phone if you have prequal offers, too. This is all my experience last month, anyway. My HP on TU two days later was the same TU 04 score they mentioned on the phone two days earlier. Kroger card, though? You're gonna have to buy a truck load of Kroger brand products to get your $5 coupon. Lol
Ok that makes sense. I considered Perks+ but $100 sign up bonus isn't worth it and its rewards aren't good. Yeah, I got itchy and just app'd for Kroger last week. The check out girl mentioned it to me and I can't say no. As lame as the rewards are, it still beats my Walmart 1% lol
You don't have SM, BCE or BCP? You could always set your Voice card to 3% groceries, right? I'd never app for it but call me crazy, I think the card looks pretty good.

I have BCE, but no SM. I've been going for big sign up bonuses with Barclays. It probably negates the money I could be saving with SM though.

Re: US Bank Prequalifier

RushXTC — Wed, 27 Aug 2014 00:54:14 GMT

Recommended for the U.S. Bank Contour Card

Re: US Bank Prequalifier

Anonymous — Wed, 27 Aug 2014 01:01:31 GMT

Contour card for me... lol

But, interestingly, when I put my huband in (credit scores in the 740's) that was his recommendation too.

I was tempted to call him over, "Hey dear, Cap One will give you a sig visa, Barclays will give you a World Mastercard, but US Bank has a prepaid debit card offer for you".

lol

Re: US Bank Prequalifier

jsucool76 — Wed, 27 Aug 2014 01:20:11 GMT

Oh Yeah! Dat Contour Card Doe!!!!!

Re: US Bank Prequalifier

B335is — Wed, 27 Aug 2014 01:27:29 GMT

@Anonymous wrote:
Contour card for me... lol

But, interestingly, when I put my huband in (credit scores in the 740's) that was his recommendation too.

I was tempted to call him over, "Hey dear, Cap One will give you a sig visa, Barclays will give you a World Mastercard, but US Bank has a prepaid debit card offer for you".
lol

Haha. For years that's all that came up for me, was just surprised it actually changed for once. Contour is such a strange name for a card. Not to mention what a boring car (without the D) it was:

Re: US Bank Prequalifier

One7 — Wed, 27 Aug 2014 05:52:34 GMT

@B335is wrote:
@Anonymous wrote:
Contour card for me... lol

But, interestingly, when I put my huband in (credit scores in the 740's) that was his recommendation too.

I was tempted to call him over, "Hey dear, Cap One will give you a sig visa, Barclays will give you a World Mastercard, but US Bank has a prepaid debit card offer for you".
lol
Haha. For years that's all that came up for me, was just surprised it actually changed for once. Contour is such a strange name for a card. Not to mention what a boring car (without the D) it was:

Haha that's funny. I always had the same thing, always the prepaid card. But once my secured card unsecured from them a few months back I started getting 2 recommended cards, one of which is the Flex Perks card I've always wanted but I did research here and on other sites and the consensus was always the same: US Bank Pre qualifier is not accurate. So I always just passed on it. I will apply for it next summer though when I'm done gardening as part of a spree, hopefully they have a nice singing bonus then. Contour... lmao

Re: US Bank Prequalifier

Anonymous — Wed, 27 Aug 2014 06:02:28 GMT

@RushXTC wrote:
Recommended for the U.S. Bank Contour Card

Haha, me too