U.S Bank Platinum Approved

Gmoney144 · ‎10-06-2023

So.... I've been debt free for a couple of years now. Needed solar for my home since aquiring an EV. A bank offered 8% on a 20k loan. Decided to get the U.S Bank Platinum that had 0% for 21 month promotion. I usually hate carrying credit card debt but it made more sense that paying interest on an installment loan and I'll have it paid off before the 21 months are up

Business Cards

cashorcharge · ‎10-06-2023

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

JoeRockhead · ‎10-06-2023

As long as you're not maxing it out, it's a smart move. Congratulations on your approval!

Creditwiser · ‎10-06-2023

Nice. Congrats on your approval !

SouthJamaica · ‎10-06-2023

@Gmoney144 wrote:
So.... I've been debt free for a couple of years now. Needed solar for my home since aquiring an EV. A bank offered 8% on a 20k loan. Decided to get the U.S Bank Platinum that had 0% for 21 month promotion. I usually hate carrying credit card debt but it made more sense that paying interest on an installment loan and I'll have it paid off before the 21 months are up

Congratulations. Smart move.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

Jordan23ww · ‎10-06-2023

Congratulations on your approval! That's a great strategy you're using!

CreditAggie · ‎10-06-2023

Congratulations on your US Bank Platinum approval!

Do you have any data points to share?

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Gmoney144 · ‎10-07-2023

Experian score is 780

@CreditAggie wrote:
Congratulations on your US Bank Platinum approval!

Do you have any data points to share?

Business Cards

Invest4Rest · ‎10-07-2023

Congrats!! 🎉🎉🎉

youngandcreditwrthy · ‎10-07-2023

@Gmoney144 wrote:
So.... I've been debt free for a couple of years now. Needed solar for my home since aquiring an EV. A bank offered 8% on a 20k loan. Decided to get the U.S Bank Platinum that had 0% for 21 month promotion. I usually hate carrying credit card debt but it made more sense that paying interest on an installment loan and I'll have it paid off before the 21 months are up

maybe i missed it but what are your data points?

score?

income?

SL?

this stuff helps esp with a stingy bank like them lol