@Bradac56 wrote: Yes USBank really wants to see a relationship for cards - cards are harder to get than personal loans. I could get any of their cards I want now but that's after 15+ years with them and using all there services. I know when we first started with them it was a pain to do anything until about year 3-4 which was about the time we opened our 3 lines of credit ($5k each for overdraft) and then year 5 was our first house. Personally I would open a checking account with at least a small DD per pay check going into it. I would also wait until your credit is as clean as you can reasonably get it.
Well, a relationship is necessary for the AR, but it can be pretty trivial (one week with a bank account in the case of my daughter) but with a good clean profile, you can get the other cards with no prior USB relationship.
Absolutely. I have no non-credit card relationship with them and got better terms on my two cards than others on the forums who have even non-trivial relationships with US Bank. Your overall profile and recent credit-seeking activities will impact any decisions more than anything else.