Commerce Bank Rewards Visa? Thoughts?

[Anonymous]

Got a pre-approval today for the Commerce Bank Rewards Visa.  It looks like crap.  Anybody have any experience with this card? 

The offer includes 0% into APR for 12 months for Balance Transfers (and $0 fee if done by 3/24/17; 5% (!) after that), 0% into APR for 12 months on purchases; 16.74% APR on both after intro period; $1,000 min SCL (up to $15,000); 1% Cash Back for net merchandise purchases; "Earn up to an additional 2,500 bonus points eveyr quarter with 2% & 3% Cash Back for purchases in select categories."  No Annual Fee.

99% sure I don't want this card but I'm curious what people have to say about it.

[Anonymous]

The bank is located in Kansas City, MO. Got involved with them four years ago and I would rate my experience as an "F". Worst customer service I have ever experienced (they did not know what they were doing). As always, there are two points of view or more. Couldn't get away from them fast enough and there were many better cards in the market at the time. Times changes so maybe I have an old experience? Food for thought!

[MyLoFICO]

I have one. It 's breathtakingly underwhelming. Got it back in August and it is the reason my garden date reset from April to August 2016. It has the best % rate of all my cards @ 14% but a low limit. I don't hardly use it for that reason. Just going to keep it in the sock drawer until it dies unless they do something stellar with the $1k limit. I got a 7-10 message at first so I tore up the app and tossed it. About 2 weeks later I got the card just out of the blue. I might call for a cli as long as it is not a HP. 

[Anonymous]

Thanks @MyLoFico and @Dinosaur...those are the impressions that I had as well.

[Anonymous]

I have been told they like higher scores 740 plus but i see lots of pre qualifys being sent to people with credit under 700. from what researched the higher scores get huge SL...

[fltireguy]

Idk..l. Cold apped for their cobranded Drury Ins visa... And got a $15k SL.. My highest SL ever!,,,

[Anonymous]

I just cold apped 3 days ago for there rewards visa...got the 10-14 day message meaning it's being manually reviewed ...7-10 day would have been a denial flat out. they pulled TU last night it's 775 5% untilization and no baddies. I heard when they manual review it can take up to 3 weeks to get your card and 2 weeks to even get a letter of approval.

[woodyman100]

You may not get an approval email.

The card might just show up.

I've mentioned many times about my experience of getting 5 HP's for card last year.

[Anonymous]

5 HP's? wow! they did soft pull EX and EQ I noticed that but HP TU....I keep hearing bad things about this bank kinda makes me regret apping.

[MyLoFICO]

I called for a CLI a few months ago and was told it was a HP (no auto CLI's, ever) so I kept my 1k SL. Then they told me I could app another of the same card to see if I get a better SL. I said a few words the filter here will catch or get me banned (again) and disconnected the call which brought up the 3D touch screen on my iPhone which only opens when higher than normal pressure is exerted on the screen when making a selection like END CALL. This card and this bank are dead to me.