I think this is new. Has anyone heard of it or have any information on it?
I'm not familiar with UMB Bank. I wonder who they pull, what kind of scores you need, and what a starting CL is like? HP/SP CLIs?
http://www.sanrio.com/hello-kitty-visa-reward-card/
https://www.umb.com/groups/public/documents/web_content/014154.pdf
13.99-17.99% APR. $0 AF.
0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for Balance Transfers made more than 60 days from account opening, 13.99% to 17.99% (based on your credit worthiness) if your Balance Transfer is treated as a Purchase, or 24.99% if your Balance Transfer is treated as a Cash Advance
5 card designs... my fiance wants them all. 
*Edit* Fixed Typo
12/19/19 
06/11/20 
07/02/20
@bernhardtra wrote:I hear the card can also act as a glow stick too.
lol, are you serious?
Also, she wants me to figure out how to get all 5 designs. I said maybe if she keeps ordering replacement cards and hope that she can pick her design? Anyone with experience with that?
A quick glance around, it looks like their other cards have gone to people with 700+ and good records. Not much activity since 2011 though on the site I checked. They seem a bit capricious.
UMB also does some other benefit cards like a Linux one, animal welfare benefit cards, etc.
A few people have been declined for excessive number of cards, debt structure, unacceptable past or present history, etc. So much for "I will help you, I will support you." 
It is quite kawaii though.
@longtimelurker wrote:Try using one as a custom image on the Cap One card! Then you can easily cycle through them.
Now I know it would be a boring (but much better) world if everyone was like me, but someone actually likes those designs? Mmmm
Will Cap One let you use trademarked design using their custom image? I didn't think you could, I have a few design I wouldn't mind having!
@NoAnchoviesPlease wrote:A quick glance around, it looks like their other cards have gone to people with 700+ and good records. Not much activity since 2011 though on the site I checked. They seem a bit capricious.
UMB also does some other benefit cards like a Linux one, animal welfare benefit cards, etc.
A few people have been declined for excessive number of cards, debt structure, unacceptable past or present history, etc. So much for "I will help you, I will support you."
It is quite kawaii though.
Thanks for this information!! I wasn't aware UMB did all those too. Hopefully with her relatively thick file, even with a recent app spree, she'll get approved. I'll post the results when she apps. Cause, she will.
And yes, even I think it's quite kawaii! But then again, I practically live in a Sanrio with the amount of Hello Kitty stuff my fiance has.
@striehl8212 wrote:
@navigatethis12 wrote:I applied with them and was told that I had too many new accounts in the last two years! I'll never get in with them if they expect me not to apply for anything for that long.
To this I agree. I've gone 1 month without app'ing and its killing me. Almost applied for a card last night, but I resisted...phew
It's about applications in aggregate: no rational lender is expecting you to go cold turkey, but they might want a customer who's more abstemious (more established / stable in credit report terms).
Eventually other than the credit card offer churners everyone eventually gets all the cards they need and their file becomes idle for years at a time.
The wierd one on the Hello Kitty card, who do they think they're marketing to anyway? Younger generations especially with the current instant gratification culture are likely to run counter to this particular underwriting ideal. Seems like a sloppy idea, but their underwriting could be markedly different for this product compared to their others.
