@zerofire wrote:I do not believe you got bucketed. It seams to me that the bank you are dealing with has its priorities messed up. Now for starters you did not put a name for said bank so we cannot match your experience with our background until you do. What we can say is that banks have to list a denial reason and in this case either this bank is pulling at straws to deny you or they truly value loans more than credit cards. I also have to say that they are more likely to deny if you do not use what they offer enough. Even if the limit is a measly 1k they might think that they need to see a higher percentage before any increases.
Based on my research it is a high probability that the bank you are referring to is either Capitol Bank or First Tennessee Bank. If it truly is one of those then I can understand as their management company is heavy on loans, investments, and business banking. Credit cards are only there to fill in the gaps.
Ding. Easy enough to find the bank, I tend not to name local locations to myself... Old habit from years ago, whole anonymous thing. 
Remember we always said, never talk to people on the internet, and never get in cars with strangers? Now we literally summon strangers from the internet to get into their cars. (I have never and no desire to use Uber/Lyft/or even a cab)
Besides, isn't it more fun to follow the breadcrumbs like you did? I figured they were likely more of a loan type bank and/or business oriented. How else could they have good checking account offers, measly credit card offers, yet still profit? I do find it funny I can use any of their portals to log in, it's all just branding now.
EDIT: Branding vs product apparently! Capital Bank has higher savings interest rates by a long shot.
Ive been a member of my local bank for over 20 years. I dont bring them profit so they could care less about me. Thats fine, ive gotten what ive need from other banks that arent even near me lol. Like you , their cc's are blah at best. We are but numbers so i just put 2 and 2 together and i get multiple lenders
You guys are lucky. My main bank (Ally) did not even have a credit card until recently. When they figured out that they could get one with the help of TD Bank and TSYS they did but the card structure is bleh. You know something is wrong when PayPal can replace it and be all around better.
Most banks do not have the membership/deposits to offer good credit cards. In fact most CU's just call up Elan, ask for a card list and for their logo to be put on it in a stock location. Even US Bank uses this but is able to negotiate due to their strength resulting in marvels like the Cash+ and Altitude Reserve.
@zerofire wrote:You guys are lucky. My main bank (Ally) did not even have a credit card until recently. When they figured out that they could get one with the help of TD Bank and TSYS they did but the card structure is bleh. You know something is wrong when PayPal can replace it and be all around better.
Most banks do not have the membership/deposits to offer good credit cards. In fact most CU's just call up Elan, ask for a card list and for their logo to be put on it in a stock location. Even US Bank uses this but is able to negotiate due to their strength resulting in marvels like the Cash+ and Altitude Reserve.
I will have to say, the best part about the CC is payment. Since it lists with my accounts, I just tap transfer like I would for my savings account and I can pay it via checking or savings right there without worrying about the limbo. Still took 3~ business days though. 
Don’t feel bad. My bank, 1stBank, might as well have laughed me off the phone when I asked them for a small cash reserve line.
The more I think about it though, the more I think I dodged a bullet. My bank participates in Zelle which means they report to EWS and I don’t want my credit getting tied up to my cash flow since I have very low income and push all but about $50 of it through CCs every month for rewards. It looks like I’m very financially stressed out when the truth is I’m doing away with fixed grocery budgets next month because I’m sick of tracking them. I have a BT I am paying down right now but I am paying way more than I need to on it and still PIF everything else despite making $500 payments towards a BT I only need to make $190 payments on to avoid interest in December. Basically, I have no problem managing my money at all and I actually have to find things to spend money on when I don’t have debt obligations to take care of (I can’t park money in the account since I’m only allowed $2K in countable assets due to Medicaid needs right now).
My bank doesnt have lucrative credit cards either. They have a 1% everything and 2% gas and grocery, 3% travel card which is their VISA Signature and a 1% everything card which is a standard VISA and both cards have an interest rate of 17.4% variable.
Then on top of that, they do credit union style cross collateralization where they will seize the funds in your other accounts to pay off your debts if you fall behind.
I may move to US Bank if they approve me for a Gold Checking and a Cash+ but I am heavily leaning towards keeping my banking separate from my credit for good.
@Anonymous wrote:Don’t feel bad. My bank, 1stBank, might as well have laughed me off the phone when I asked them for a small cash reserve line.
The more I think about it though, the more I think I dodged a bullet. My bank participates in Zelle which means they report to EWS and I don’t want my credit getting tied up to my cash flow since I have very low income and push all but about $50 of it through CCs every month for rewards. It looks like I’m very financially stressed out when the truth is I’m doing away with fixed grocery budgets next month because I’m sick of tracking them. I have a BT I am paying down right now but I am paying way more than I need to on it and still PIF everything else despite making $500 payments towards a BT I only need to make $190 payments on to avoid interest in December. Basically, I have no problem managing my money at all and I actually have to find things to spend money on when I don’t have debt obligations to take care of (I can’t park money in the account since I’m only allowed $2K in countable assets due to Medicaid needs right now).
My bank doesnt have lucrative credit cards either. They have a 1% everything and 2% gas and grocery, 3% travel card which is their VISA Signature and a 1% everything card which is a standard VISA and both cards have an interest rate of 17.4% variable.
Then on top of that, they do credit union style cross collateralization where they will seize the funds in your other accounts to pay off your debts if you fall behind.
I may move to US Bank if they approve me for a Gold Checking and a Cash+ but I am heavily leaning towards keeping my banking separate from my credit for good.
You mentioned Zelle, I have the Cash+ and using the US Bank app, Zelle is in the "Send money" section. It naturally gives me "Access Denied" as you can only send from checking, savings, or money market accounts. So it's worth keeping in mind that US Bank also participates in Zelle. Also for the lulz, I did a quick google... apparently my bank has "partnered with Zelle but hasn't launched yet" That will likely be a section I never touch, any money I need to/from anyone is either done via paypal or google pay. Specifically, I enjoy Google pay... I have my bank account setup as default for receiving, so when someone sends me money it instantly forwards to my bank account and I USUALLY have it same day. It shows up in my checking account, and available, but is post-dated for the following business day. (which is odd, I've received money on a Friday and it show the next Monday's date).
Good luck with paying off that BT, luckily I've never dealt with any kind of actual debt to pay off... I'd rather not ever if I can help it.
OP as AJC says, it may be time to branch out.
I stopped banking local 10 years ago. Every bank or CU I deal with now is in another state or on the internet only.
You'd be surprised how different they operate. Sometimes the size of the FI means nothing. Just kicked Citibank to the curb today!😂
My local CU sucked. Your bank reminds me of them lol
I'd research a replacement, if I were in your shoes.
Ally bank mentioned by another poster, is a terrific online bank!
There are many many more that would be glad to get your business.
I stopped banking local 10 years ago. Every bank or CU I deal with now is in another state or on the internet only.
You'd be surprised how different they operate. Sometimes the size of the FI means nothing. Just kicked Citibank to the curb today!😂
My local CU sucked. Your bank reminds me of them lol
I'd research a replacement, if I were in your shoes.
Ally bank mentioned by another poster, is a terrific online bank!
There are many many more that would be glad to get your business.
@Gmood1 wrote:
OP as AJC says, it may be time to branch out.
I stopped banking local 10 years ago. Every bank or CU I deal with now is in another state or on the internet only.
You'd be surprised how different they operate. Sometimes the size of the FI means nothing. Just kicked Citibank to the curb today!😂
My local CU sucked. Your bank reminds me of them lol
I'd research a replacement, if I were in your shoes.
Ally bank mentioned by another poster, is a terrific online bank!
There are many many more that would be glad to get your business.
I'm in a bit of an old fashion predicament when it comes to local banking... My employer still pays me with paper checks that require depositing. While I can do mobile deposit, it's easy enough to run a mile up the road during lunch and deposit that sucker on the spot. The banking itself is perfectly fine, especially with the lack of fees for pretty much everything. The only fee I've ever paid was the 1% conversion fee (charged by Mastercard) using an ATM in Canada, all other charges got refunded. I'll leave my checking/savings to them and my credit elsewhere. 
EDIT: Worth noting that's the only fee worldwide for ATM usage for me, so if I ever get around to traveling elsewhere, I can pick up local currency easy enough (at a verified safe location). Otherwise, Discover and Paypal cashback MC are both no FTF so I can swipe those. Any ATM in the US is completely free (since there's no conversion).
@Anonymous wrote:
@Anonymous wrote:Don’t feel bad. My bank, 1stBank, might as well have laughed me off the phone when I asked them for a small cash reserve line.
The more I think about it though, the more I think I dodged a bullet. My bank participates in Zelle which means they report to EWS and I don’t want my credit getting tied up to my cash flow since I have very low income and push all but about $50 of it through CCs every month for rewards. It looks like I’m very financially stressed out when the truth is I’m doing away with fixed grocery budgets next month because I’m sick of tracking them. I have a BT I am paying down right now but I am paying way more than I need to on it and still PIF everything else despite making $500 payments towards a BT I only need to make $190 payments on to avoid interest in December. Basically, I have no problem managing my money at all and I actually have to find things to spend money on when I don’t have debt obligations to take care of (I can’t park money in the account since I’m only allowed $2K in countable assets due to Medicaid needs right now).
My bank doesnt have lucrative credit cards either. They have a 1% everything and 2% gas and grocery, 3% travel card which is their VISA Signature and a 1% everything card which is a standard VISA and both cards have an interest rate of 17.4% variable.
Then on top of that, they do credit union style cross collateralization where they will seize the funds in your other accounts to pay off your debts if you fall behind.
I may move to US Bank if they approve me for a Gold Checking and a Cash+ but I am heavily leaning towards keeping my banking separate from my credit for good.
You mentioned Zelle, I have the Cash+ and using the US Bank app, Zelle is in the "Send money" section. It naturally gives me "Access Denied" as you can only send from checking, savings, or money market accounts. So it's worth keeping in mind that US Bank also participates in Zelle. Also for the lulz, I did a quick google... apparently my bank has "partnered with Zelle but hasn't launched yet" That will likely be a section I never touch, any money I need to/from anyone is either done via paypal or google pay. Specifically, I enjoy Google pay... I have my bank account setup as default for receiving, so when someone sends me money it instantly forwards to my bank account and I USUALLY have it same day. It shows up in my checking account, and available, but is post-dated for the following business day. (which is odd, I've received money on a Friday and it show the next Monday's date).
Good luck with paying off that BT, luckily I've never dealt with any kind of actual debt to pay off... I'd rather not ever if I can help it.
Yeah US Bank was one of the founding members of Zelle I believe I heard.
Since thats how we pay rent, I HAVE to have Zelle otherwise I would have already switched to DCU. My bank takes too long to deposit checks (they don’t make anything available instantly to me and for those they do, it’s $200) and while I can draft an EFT from my bank to DCU for a deposit no problem, my bank doesn’t have any option to add an external account.
If I move to DCU I will get paid up to 2 days early but only if social security has put my deposit into the system as pending and I just really can’t risk my rent being late since my landlord is already accepting of the fact I don’t get paid til the 3rd.
So yeah if US Bank approves the Gold Checking plus Cash+ I may move my checking over to them since they have Zelle support but DCU is a non-starter as my primary FI unless they join Zelle at some point and seeing as how they have their own “People Pay” service, I doubt that they ever will.
But it may just be best for me to stick with 1stBank anyway because I don’t want to have to explain switching banks to Medicaid at the end of the year... those people are incompetent on a good day.
As for the debt, it’s just a BT from a personal loan I took out to help my account mix not knowing that it was a consumer finance account and actually is mildly negative on my credit. The minimum loan amount was $2500 so I took what was left over as well as my $668 charge to Disco in December to max out the Amazon 4Q and rolled it over to NFCU at 0% for 12 with no fee.
Like I said, I’m not stressing at all. I’m on track to pay off a BT that didn’t actually post to my account until January that expires in December in June so I am way ahead of it.