topic Re: whats wrong with USBank? in General Credit Topics

whats wrong with USBank?

elixerin — Fri, 07 Oct 2022 16:10:59 GMT

aside from handing 1,000 limits to individuals with profiles from narnia, why does it feel like they are a whole decade behind the rest of the fold?

theyre online system at times will literally not load my data it sometimes shows yesterdays info and i know because they tell me when i login! never had that before... they will deduct autopay amounts without any recollection of activity during the period like EVERY other bank does... i paid off a balance in full weeks ago and had autopay minimum actually deduct $40 and put me in a credit balance... serious?? almost feel like im messing around with creditone and i should reas every statement word for word or something with this bank

Re: whats wrong with USBank?

NoHardLimits — Fri, 07 Oct 2022 19:13:45 GMT

Their IT services are definitely behind the times. I received an emailed survey recently about my experiences with the website. Hopefully, that means that they are looking into making some improvements.

Otherwise, US Bank has treated me well. I've been instantly approved this year for two cards from the Altitude family with decent starting limits. I have no other banking relationships with them.

Re: whats wrong with USBank?

blindambition — Fri, 07 Oct 2022 19:28:13 GMT

Other than a prehistoric website and interface, no issues for me. I have both US Bank and Elan, I do wish the separate apps would mirror in functionality, but at least they work for me.

Re: whats wrong with USBank?

FireMedic1 — Fri, 07 Oct 2022 20:51:17 GMT

@elixerin wrote:
aside from handing 1,000 limits to individuals with profiles from narnia, why does it feel like they are a whole decade behind the rest of the fold?

theyre online system at times will literally not load my data it sometimes shows yesterdays info and i know because they tell me when i login! never had that before... they will deduct autopay amounts without any recollection of activity during the period like EVERY other bank does... i paid off a balance in full weeks ago and had autopay minimum actually deduct $40 and put me in a credit balance... serious?? almost feel like im messing around with creditone and i should reas every statement word for word or something with this bank

@elixerin So is it a banking issue? Or others were approved over you for cards? A ton of us had to start with those $1000 CL's from wherever narnia is. Doesnt make us any lower in the food chain than the people that get $10,000 SL's. Were equals here discussing credit/banking. No one is better than the next one. The person makes the person. Not scores, or SL's, nor CL's.

If your unhappy. Change banks. Simple. KISS Method.

Re: whats wrong with USBank?

Jeffster1 — Fri, 07 Oct 2022 22:29:26 GMT

I have no complaints with USBank. I have checking, savings and a cc there, and am looking to eventually deepen the relationship with another cc. USBank is not my primary bank (BOA is my primary) but it quickly leapfrogged past WF (which I've had since it was First Interstate) when I was a kid. I've had great service from USBank.

Re: whats wrong with USBank?

805orbust — Sat, 08 Oct 2022 12:40:17 GMT

Ugh... not a good week to ask me about US Bank... BUT I will say I haven't had any issues with service or performance. The site is definitely dated, but easy to use imho. Not mad at them, but they have the biggest side-eye from me right now. 🤣

Re: whats wrong with USBank?

AndySoCal — Sat, 08 Oct 2022 22:59:03 GMT

@elixerin Question on the autopay(s). How are the auto payments setup for the account that shows a credit balance? For example I have an auto pay set up with Cricket Wireless to bill my credit card each month. I could have set up the same payment in bill pay as a repeating payment. A third way an auto pay can be set up is by the use of the routing number and account number. In the first and last example the biller is the one who controls when the request for payment is sent each month. The middle example I am in control of when the repeating payment is sent. I have set up the auto payment for cricket wireless on Cricket wireless web site. If I do not stop the auto payment on Cricket wireless and submit my own payment through bill pay it I would see two payments for that statement period. In this case it is not my banks fault but mine.

Re: whats wrong with USBank?

elixerin — Sun, 09 Oct 2022 15:42:41 GMT

@AndySoCal wrote:
@elixerin Question on the autopay(s). How are the auto payments setup for the account that shows a credit balance? For example I have an auto pay set up with Cricket Wireless to bill my credit card each month. I could have set up the same payment in bill pay as a repeating payment. A third way an auto pay can be set up is by the use of the routing number and account number. In the first and last example the biller is the one who controls when the request for payment is sent each month. The middle example I am in control of when the repeating payment is sent. I have set up the auto payment for cricket wireless on Cricket wireless web site. If I do not stop the auto payment on Cricket wireless and submit my own payment through bill pay it I would see two payments for that statement period. In this case it is not my banks fault but mine.

@AndySoCal statement balance $980 September 6, paid in full September 14. $0 balance for three good weeks before autopay minimum for $40 on October 6 where i sit today -$40.

Re: whats wrong with USBank?

elixerin — Sun, 09 Oct 2022 15:41:14 GMT

@FireMedic1 wrote:
@elixerin wrote:
aside from handing 1,000 limits to individuals with profiles from narnia, why does it feel like they are a whole decade behind the rest of the fold?

theyre online system at times will literally not load my data it sometimes shows yesterdays info and i know because they tell me when i login! never had that before... they will deduct autopay amounts without any recollection of activity during the period like EVERY other bank does... i paid off a balance in full weeks ago and had autopay minimum actually deduct $40 and put me in a credit balance... serious?? almost feel like im messing around with creditone and i should reas every statement word for word or something with this bank
@elixerin So is it a banking issue? Or others were approved over you for cards? A ton of us had to start with those $1000 CL's from wherever narnia is. Doesnt make us any lower in the food chain than the people that get $10,000 SL's. Were equals here discussing credit/banking. No one is better than the next one. The person makes the person. Not scores, or SL's, nor CL's.

If your unhappy. Change banks. Simple. KISS Method.

food chain? what? my man im just simply annoyed of a big bank to maneuver this way.. im pretty sure everyone can agree that once they've established credit for a good amount of time with a decent amount of banks, they can expect to be met at least halfway from other lenders looking in... I just shared how big Individual Utilization has a play on your FICO score so thats kind of the biggest reason along with not being able to be adequately used alongside your spend.. kiss now is a great idea given how the actual bank is working for me as ive detailed. thanks.

Re: whats wrong with USBank?

AndySoCal — Tue, 11 Oct 2022 01:47:25 GMT

@elixerinIt is up to you stop any auto pays you have set up not the bank when they reach a zero balance

Re: whats wrong with USBank?

FireMedic1 — Tue, 11 Oct 2022 10:52:11 GMT

@elixerin wrote:
@FireMedic1 wrote:
@elixerin wrote:
why does it feel like they are a whole decade behind the rest of the fold?

theyre online system at times will literally not load my data it sometimes shows yesterdays info and i know because they tell me when i login! never had that before... they will deduct autopay amounts without any recollection of activity during the period like EVERY other bank does... i paid off a balance in full weeks ago and had autopay minimum actually deduct $40 and put me in a credit balance... serious?? almost feel like im messing around with creditone and i should reas every statement word for word or something with this bank
@elixerin So is it a banking issue? Or others were approved over you for cards? A ton of us had to start with those $1000 CL's from wherever narnia is. Doesnt make us any lower in the food chain than the people that get $10,000 SL's. Were equals here discussing credit/banking. No one is better than the next one. The person makes the person. Not scores, or SL's, nor CL's.

If your unhappy. Change banks. Simple. KISS Method.
food chain? what? my man im just simply annoyed of a big bank to maneuver this way.. im pretty sure everyone can agree that once they've established credit for a good amount of time with a decent amount of banks, they can expect to be met at least halfway from other lenders looking in... I just shared how big Individual Utilization has a play on your FICO score so thats kind of the biggest reason along with not being able to be adequately used alongside your spend.. kiss now is a great idea given how the actual bank is working for me as ive detailed. thanks.

I understood your post or rant. Before you posted your concerns. Throwing in the dig on people such as Rebuilders/First Timers that get approved for low SL's should not be labeled in a catagory because of lower scores, past history, or a place called narnia. On the banks side its just business. Everyone will agree we all had to start somewhere. Some here have $500,000+ in total CL's. Are they in a higher level position in life than you, me or anyone else? No. We're equals.

Relationships doesnt work with many banks. Its been said here many times. People are denied with higher scores than those with lower scores on some products. I have a Savor when my score was just around 710. People with 800+ scores are denied many times. As I said. If your unhappy. Switch banks. So easy to do. Less stress thats creates havoc on your health. Look above. I removed your narnia comment. Now you have a concered post on the problems your having. Changes the whole outlook of your opening post. See what I mean?

Hope the rest works out or you find a new home for your banking needs. Good Luck!

Re: whats wrong with USBank?

Anonymous — Tue, 11 Oct 2022 11:24:34 GMT

elixerin "food chain? what? my man im just simply annoyed of a big bank to maneuver this way.. im pretty sure everyone can agree that once they've established credit for a good amount of time with a decent amount of banks, they can expect to be met at least halfway from other lenders looking in... I just shared how big Individual Utilization has a play on your FICO score so thats kind of the biggest reason along with not being able to be adequately used alongside your spend.. kiss now is a great idea given how the actual bank is working for me as ive detailed. thanks."

I doubt every one would agree and I sure don't! As the economy moves around so go the bank/financials and what they may consider the profile they seek. Meeting us half way? Dream land. There is a rule: "the man who has the Gold rules" so, you want their products you follow their rules! Will add some of the banks change their terms and conditions often enough we don't even know (US Bank is one).

Unlike many of the newer posters, my experiences relate back to the early 1970s when things were more slow to change and banks actually favored relationships. Today, as you already know it is a lot different world.

Agree US Bank has a challenging website ... will add that Citi Bank's is worse ... unreal in fact. Just moved my business elsewhere as I cannot even guarantee when I can get in to pay a bill ... the Citi website keeps logging me out (I give up).

Plenty of fish in the sea and many really good Credit Unions. Find a new one.