UMB Simply Rewards card

[galahad15]

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@ddemari wrote:
Just got the decline letter in the mail yesterday. TU single pull, they use the bank card FICO. Declined, score was 752 citing too many inquiries. Which at the the time their were 9.

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Sorry to hear the sad news...in MHO, really only their loss... 

[longtimelurker]

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@galahad15 wrote:

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@ddemari wrote:
Just got the decline letter in the mail yesterday. TU single pull, they use the bank card FICO. Declined, score was 752 citing too many inquiries. Which at the the time their were 9.

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Sorry to hear the sad news...in MHO, really only their loss... 

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More a mutual non-loss, I doubt if anyone at UMB is wondering if they made a dreadful mistake....

[Themanwhocan]

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@deltatee wrote:
I am also curious what the card actually looks like, I can't seem to find a picture of it.

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[core]

Are they still denying people for being out of their service area?  This is the #1 card that I want next, now that Consumers CU got nerfed.  In order to get this one I just might have to move to Nebraska for a month.  Somehow I don't think this one will last that long, but they may grandfather existing cardholders.  That's what I'm hoping anyway.

[Anonymous]

Themanwhocan was the first one I saw mention this card. Its in his list in my signature! Just sayin'. :-)

[Anonymous]

I am wondering, how much of a difference does this make in real life vs a 2% card?

Ex: If you spend 10k/annum in categories mentioned (and assuming you have 1 or 2 common 5% category cards), its just $100/yr difference

[Anonymous]

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@Anonymous wrote:

I am wondering, how much of a difference does this make in real life vs a 2% card?

Ex: If you spend 10k/annum in categories mentioned (and assuming you have 1 or 2 common 5% category cards), its just $100/yr difference

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Yes, bonus categories are a min/maxxing exercise. Sign up bonuses and travel perks are the only "big" money in credit cards except at absurdly high levels of spend.

That said, bonus categories are also one of the easiest ways to monetize a good credit score so why not?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I am wondering, how much of a difference does this make in real life vs a 2% card?

Ex: If you spend 10k/annum in categories mentioned (and assuming you have 1 or 2 common 5% category cards), its just $100/yr difference

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Yes, bonus categories are a min/maxxing exercise. Sign up bonuses and travel perks are the only "big" money in credit cards except at absurdly high levels of spend.

That said, bonus categories are also one of the easiest ways to monetize a good credit score so why not?

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said the person with marukai and 95% of all the awesome cash back cards lol. nice lineup there!

[longtimelurker]

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@core wrote:

Are they still denying people for being out of their service area?  This is the #1 card that I want next, now that Consumers CU got nerfed.  In order to get this one I just might have to move to Nebraska for a month.  Somehow I don't think this one will last that long, but they may grandfather existing cardholders.  That's what I'm hoping anyway.

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How did Consumers CU get nerfed?  Was thinking of applying for it at one point.

[Themanwhocan]

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@longtimelurker wrote:

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@core wrote:

Are they still denying people for being out of their service area?  This is the #1 card that I want next, now that Consumers CU got nerfed.  In order to get this one I just might have to move to Nebraska for a month.  Somehow I don't think this one will last that long, but they may grandfather existing cardholders.  That's what I'm hoping anyway.

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How did Consumers CU get nerfed?  Was thinking of applying for it at one point.

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Caps lowered.

http://www.doctorofcredit.com/3-grocery-card-from-consumers-credit-union-lowers-max-rewards/