@PayAndProsper wrote:
@rosco75 escribió:
I called the bank and was told that thier current policy is 4 years post filing for any of thier card products, which includes their secured cards. The rep did tell me that there were discussions in place to update that policy but for right now, that is what it is.
I assume that this policy has changed through the years as data points on this forum point to a 5 year policy initially which was then amended to around 2 years. It seems that they often review and revise the policy so it would be a benefit to call before applying and determine what the current policy is at the time you want to apply.
4 years, even post filing date just seems like a dreadful amount of time to have cash held up. Its a shame, as its probably one the THE BEST secured card options on the market these days. 5% in two selectable categories and 2% other purchases is nothing to sneeze at!
It's nice, but not that nice. It's two selectable 5% categories, one selectable 2% category, and 1% on all other eligible purchases.
Nothing is guaranteed, but if you have a profile that is not suitable for a Discover secured card (unless you have burned them in the past, or some other very particular differentiating circumstance), you are unlikely to qualify for US Bank, all else being equal between the CRs (likely different CRAs pulled), as US Bank is notoriously more strict and sensitive to new accounts and inquiries. Don't take my word for it though. Take a look around the MF forums. There are tons of DPs out there.
exactly right, both Cash+ and Altitude Go are "nitch" cards for me - Cash + I use for utilities and cable, Go I use for dining out
For me - I burned both USB and Disco in a 13, Disco won't touch me with a 10 foot pole - USB had no issues granting a secured card
And agreed, ton's of DP's out there - don't just take mine - banks change their requirements all the time
