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US Bank Pre-Approvals (for business?)

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

US Bank Pre-Approvals (for business?)

I got pre-approvals with set/solid APR's.  Showed approved for any of the Personal cards if I changed interests.  

 

Has anyone verified if the business cards are lumped in w the pre-approvals?

 

Thanks









Message 1 of 11
10 REPLIES 10
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

IME Business cards are typically NOT included in pre-approval sites.

 

Message 2 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

Yeah they dont show up and theres no way to select them.  Figure if Im set on all the personal card pre-approvals- same should go for business cards or not lol :-p

 

I may try it out and see









Message 3 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

If you go into a branch and sit with a business banker, and slightly hint that you might be interested in opening up a business credit card, they can tell you whether or not it would be worth a shot.  On USBank internal computers, there is a screen that shows what certain customers would get for SL if they were to apply.  I did this after discussing it with a friend of mine who works in a bank and went flawlessly.  

Message 4 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)


@Achieving wrote:

If you go into a branch and sit with a business banker, and slightly hint that you might be interested in opening up a business credit card, they can tell you whether or not it would be worth a shot.  On USBank internal computers, there is a screen that shows what certain customers would get for SL if they were to apply.  I did this after discussing it with a friend of mine who works in a bank and went flawlessly.  


Thats interesting lol.  Maybe just go in and blatantly state "does the biz cred show pre-approvals or nah?" lol  Did you have accounts w them b4 app'ing?

 

Thanks









Message 5 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

USBank has been my primary bank for about four years now, so I did have a previous relationship with them.  I somehow managed to finangle my way into a business credit card with them with no Paydex, no other tradelines -- not sure how I managed that one now that I have been reading the forums.  

Message 6 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)


@Achieving wrote:

USBank has been my primary bank for about four years now, so I did have a previous relationship with them.  I somehow managed to finangle my way into a business credit card with them with no Paydex, no other tradelines -- not sure how I managed that one now that I have been reading the forums.  


hah nice man.  I'll open a checking first for a few months before I app.  I dont want a free denial from lack of relationship :-p 









Message 7 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

Pro tip: skip the checking account and go straight to a secured card if you think you can swing it. 

Message 8 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

Wouldnt want a new account, for a secured card. Smiley Sad 









Message 9 of 11
Frequent Contributor

Re: US Bank Pre-Approvals (for business?)

Sorry, I forgot which board I was on.  You're right.

Edit: Not to hijack this thread, but what's your opinion of NFCU business accounts?  They're next on my radar I think.

Message 10 of 11