Got this in the mail yesterday. First one ever from US Bank. I have never even entertained US Bank. It is addressed to my business name and has a confirmation code to apply. 0% for 15 months, 17.24% (no range) after that, no AF. I really want a business card but not one I might get declined for. However, I would leave the garden for a good chance at a decent business card. Scores with inquiries are in the signature. I have 1 baddie on EQF and EX that is almost 7 years old. I have late mortgage payments from back in 2012-2013. Everything is current for the last 20 months since my divorce. What say ye, do I have a chance?
TCL 85.1k
Experian: 673 (27)
TransUnion: 706 (30)
Equifax: 656 (23)
Lot of inquiries. Hmm...it's my understanding from talking to other people that it's more difficult to get a business card than a personal card because they count stuff against you harder. From what I understand. I'm under the impression that it's easier to get into banks like US Bank if you do other business with them. I'm thinking from your post that you don't have other accounts with them, so I would wait until the inquiries fall off. I don't know how inquiry sensitive they are, but I know they are baddie sensitive for sure, though I would think 3-4 years ago for lates would be long enough for them.
I think you should stay in the garden though. You're already a month+ in! Stay strong. 
I think I will stay in the garden. I don't have an appetite for a wasted HP and some other threads I read kinda make me leary. If it was like "heck yeah, thats a solid offer!" from multiple people, I would do it. But not with the murky waters I have found their offers to be. Besides, I want an Ink card when my inquiries and baddies fall off.
Interesting mailer. I have gotten a couple random ones from them...nothing like that though. For some reason I really never thought about using them for anything.
@MyLoFICO wrote:Got this in the mail yesterday. First one ever from US Bank. I have never even entertained US Bank. It is addressed to my business name and has a confirmation code to apply. 0% for 15 months, 17.24% (no range) after that, no AF. I really want a business card but not one I might get declined for. However, I would leave the garden for a good chance at a decent business card. Scores with inquiries are in the signature. I have 1 baddie on EQF and EX that is almost 7 years old. I have late mortgage payments from back in 2012-2013. Everything is current for the last 20 months since my divorce. What say ye, do I have a chance?
TCL 85.1k
Experian: 673 (27)
TransUnion: 706 (30)
Equifax: 656 (23)
I've received 2 of those.
I applied both times.
Got rejected both times.
@RM21 wrote:
Interesting mailer. I have gotten a couple random ones from them...nothing like that though. For some reason I really never thought about using them for anything.
Same here. Even after seeing them in peoples signatures, I never really was attracted to them for any reason. Guess I was just really hoping this was an opportunity for a good business card.
@SouthJamaica wrote:
@MyLoFICO wrote:Got this in the mail yesterday. First one ever from US Bank. I have never even entertained US Bank. It is addressed to my business name and has a confirmation code to apply. 0% for 15 months, 17.24% (no range) after that, no AF. I really want a business card but not one I might get declined for. However, I would leave the garden for a good chance at a decent business card. Scores with inquiries are in the signature. I have 1 baddie on EQF and EX that is almost 7 years old. I have late mortgage payments from back in 2012-2013. Everything is current for the last 20 months since my divorce. What say ye, do I have a chance?
TCL 85.1k
Experian: 673 (27)
TransUnion: 706 (30)
Equifax: 656 (23)I've received 2 of those.
I applied both times.
Got rejected both times.
Yeah, I found one of your threads from an earlier date. That was what actually made me pause and not just apply. I did not see a second attempt, ouch.