USB is by far my favorite lender. They have been extremely generous to me but I also bank with them.
The interest rates are probably about the same as most big name banks.
They are a conservative lender and do manual reviews for a lot of app’s. They use TU 04 classic for apps. 660-670 is probably the minimum score required or atleast the general area. They will give you a chance with those scores but the SL will be low.
CLI’s are HP unless invited.
I have the Altitude Reserve and FlexPerks. The Altitude’s customer service is probably the best out of any of the current lenders I have. Even better then discover which is hard to say.
The interest rates are probably about the same as most big name banks.
They are a conservative lender and do manual reviews for a lot of app’s. They use TU 04 classic for apps. 660-670 is probably the minimum score required or atleast the general area. They will give you a chance with those scores but the SL will be low.
CLI’s are HP unless invited.
I have the Altitude Reserve and FlexPerks. The Altitude’s customer service is probably the best out of any of the current lenders I have. Even better then discover which is hard to say.
@Anonymouswrote:Hello everyone just would like some input about US Bank cards. Like is it a good bank, interest rates competitive, easy to qualify, decent SLs, good CLIs, I'm hoping to hear some opinions. Thanks so much!
This forum rocks!
I have become a fan of US Bank. They purchased my mortgage in September, and they have been very generous with me. I do think they are definitely a relationship bank. Once they acquired my mortgage, I obtained the Cash + and Platinum with very generous starting limits (both $15k) and opened a Platinum Checking (no fees). I have not tried for any CLI's as of yet, since my cards are just about 6 months old. I am thinking about the Altitude Reserve, but will wait a few more months. Last visit to the branch, was told I was preapproved for the Premier Lineo of Credit, didn't take the offer, but always nice to have the preapproval. 
And as a side note, I have had nothing but great customer service from the, both via phone and in branch.
@irunfromcreditwrote:
@Anonymouswrote:Hello everyone just would like some input about US Bank cards. Like is it a good bank, interest rates competitive, easy to qualify, decent SLs, good CLIs, I'm hoping to hear some opinions. Thanks so much!
This forum rocks!
I have become a fan of US Bank. They purchased my mortgage in September, and they have been very generous with me. I do think they are definitely a relationship bank. Once they acquired my mortgage, I obtained the Cash + and Platinum with very generous starting limits (both $15k) and opened a Platinum Checking (no fees). I have not tried for any CLI's as of yet, since my cards are just about 6 months old. I am thinking about the Altitude Reserve, but will wait a few more months. Last visit to the branch, was told I was preapproved for the Premier Lineo of Credit, didn't take the offer, but always nice to have the preapproval.
And as a side note, I have had nothing but great customer service from the, both via phone and in branch.
Related to the US Bank Premiere Line of Credit, the range is $5K to $25K. They issue and Access Card (works exactly the same as a US Bank Platinum Visa Card) with actual Checks and the ability to transfer funds internally or externally depending on your needs. Also, you can use it as a checking overdraft line of credit. No fuss with the credit product. The PLOC is run out of the credit card part of US Bank. The actual US Bank Reserve Lines of Credit Overdraft are run out of the banking side.
Internet banks will always have better interest rates as they don’t have the overhead of brick and motor locations.
It really comes down to convenience I suppose and the customer service quality.
Some banks reward you in ways that internet banks don’t. Such as the case here with USB. They are much more generous with banking customers then those who might have a better profile but not prior relationship
I use USB for checking, savings, and investments. I only keep a small amount in savings with USB. 2-3K
The majority of my savings is with Amex as the interest rates are considerably better.
But I don’t see Amex being generous just because I have a decent amount of money parked witn them.
It really comes down to convenience I suppose and the customer service quality.
Some banks reward you in ways that internet banks don’t. Such as the case here with USB. They are much more generous with banking customers then those who might have a better profile but not prior relationship
I use USB for checking, savings, and investments. I only keep a small amount in savings with USB. 2-3K
The majority of my savings is with Amex as the interest rates are considerably better.
But I don’t see Amex being generous just because I have a decent amount of money parked witn them.