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Commerce Bank Special Connections Visa

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Anonymous
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Commerce Bank Special Connections Visa

Good morning all-

I’ve used this forum fairly frequently for research over the years, and figured it was time to contribute some data since I hadn’t found much. Commerce had been sending me frequent pre-approval forms, with the last being a zero BT fee, 0% interest offer. APR after the 12 month introductory fee is fixed at 12.49%, and there are some 3-2-1 cashback categories that I disremember at the moment. Anyway, since I can apparently be browbeaten into accepting an offer and I have a smallish Citibank balance coming up on the end of its 0% purchase period, curiosity got the better of me and I caved.

Instant approval for $9000.
Pulled Transunion- I am in Minnesota. 771 at the time.
AaoA 3 yrs 11 mo
AooA 21 yrs
6% aggregate utilization
11% highest individual utilization
$49,500 income

I generally allow balances to report organically and usually PIF.

Hope this helps anyone who has received a pre-approval and is considering an app.
Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Commerce Bank Special Connections Visa

Birdlaw ... with a full raging Blizzard happening now ... how do you have time to deal with credit card approvals? Just sayin' ... Smiley Wink In Minnesota too and I would love to permanently leave but where in the United States do I find quiet calming weather???

Message 2 of 11
Anonymous
Not applicable

Re: Commerce Bank Special Connections Visa

Tuesday evening— mulching the remnants of my fall leaves.
Thursday morning— can’t see my own driveway.

I am quiet. I am calm.
I am quiet. I am calm.

Message 3 of 11
Anonymous
Not applicable

Re: Commerce Bank Special Connections Visa

Congrats on your approval and very nice SL !!!

 

 

Message 4 of 11
gdale6
Moderator Emeritus

Re: Commerce Bank Special Connections Visa


@Anonymous wrote:

Birdlaw ... with a full raging Blizzard happening now ... how do you have time to deal with credit card approvals? Just sayin' ... Smiley Wink In Minnesota too and I would love to permanently leave but where in the United States do I find quiet calming weather???


San Diego.

Message 5 of 11
gdale6
Moderator Emeritus

Re: Commerce Bank Special Connections Visa

Congrats OP to your new card Smiley Happy

Message 6 of 11
AverageJoesCredit
Legendary Contributor

Re: Commerce Bank Special Connections Visa

Congrats. This card makes it sound CIAishSmiley Wink. Maybe all that snow is driving all the Bird people here to myFico recentlySmiley Wink
Message 7 of 11
pinkandgrey
Senior Contributor

Re: Commerce Bank Special Connections Visa

Congrats! I have gotten about 684 preapproval mailers from Commerce Bank. You got a nice SL!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 8 of 11
xaximus
Valued Contributor

Re: Commerce Bank Special Connections Visa

Congrats on the approval!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 9 of 11
Anonymous
Not applicable

Re: Commerce Bank Special Connections Visa

 

Boom.  Congrats!

Message 10 of 11
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