US Bank Shield 24 mo BT 0%? Thoughts?

[youngandcreditwrthy]

Are any ppl applying getting and using this card?

Curious who their demo is ? That's kind of an encouraging way to accrue debt if big limits with terrible post intro APRs are given......

Although I did just open an 18 mo BOA BT card. This card is interesting. Any expierncies good or bad with USBank Shield card folks? Like what do we think the min app stats are req'ed? We KNOW BOA dislikes new accounts and recent inquiries, right?

[GZG]

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@youngandcreditwrthy wrote:

Are any ppl applying getting and using this card?

Curious who their demo is ? That's kind of an encouraging way to accrue debt if big limits with terrible post intro APRs are given......

Although I did just open an 18 mo BOA BT card. This card is interesting. Any expierncies good or bad with USBank Shield card folks? Like what do we think the min app stats are req'ed? We KNOW BOA dislikes new accounts and recent inquiries, right?

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from: https://www.usbank.com/credit-cards.html you can click the 'learn more' buttons on the cards to potentially get a card link to open that has a pre-approval link on it

if pre-approved, you are brought to a final submission screen

at this point, don't submit right away, call and ask for the limit and APR the computer has for the pre-approval application

it's not 100% assured you'll get that, but if you see a high limit/low apr, I would be fairly confident to submit the app after that

[tcbofade]

I just picked one up for the 24 month zero percent deal and am putting a large purchase on it. 

Score was over 800, no new credit cards in the last 12 months, starting line is $17k. 

[tcbofade]

Did we lose the ability to edit posts?

Approval thread link:  https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Shield/m-p/6817183#M896065

[ptatohed]

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@tcbofade wrote:

Did we lose the ability to edit posts?

Approval thread link:  https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Shield/m-p/6817183#M896065

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Yes, after a certain time period.  I don't know what it is but feels like 24, maybe 36 hours.  

[Kforce]

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@ptatohed wrote:

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@tcbofade wrote:

Did we lose the ability to edit posts?

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Yes, after a certain time period.  I don't know what it is but feels like 24, maybe 36 hours.  

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Will do a rainy day test.

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Start:    5/17/2025  --  10:10 AM

Good:   5/18/2025 --     9:10 AM   /  23 Hrs

[LivingTheAmericanDream]

24 mos. BT. Sounds like a no-brainer if you are carrying some debt. Otherwise, card seems meh...(And, like many other issuers, US Bank is pushing their travel center. We just booked a trip through booking.com; tried Chase, CapOne, Citi travel centers but they were much higher than pure travel sites.)

[Kforce]

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@Kforce wrote:

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@ptatohed wrote:

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@tcbofade wrote:

Did we lose the ability to edit posts?

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Yes, after a certain time period.  I don't know what it is but feels like 24, maybe 36 hours.  

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Will do a rainy day test.

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Start:    5/17/2025  --  10:10 AM

Good:   5/18/2025 --     9:10 AM   /  23 Hrs

@ptatohed  and @tcbofade the answer is:

Would not let me edit at 5/18/2025 -- 10:10 AM, exactly 24 Hrs from post.

Answer is 23 hours and 59 minutes before being locked out.   

[Gmoney144]

Utilizing a balance transfer card is how I renovated my kitchen, yard and solor( all separate promo offers).   I never understand why homeowners take out a HELOC when it can be done for 0% financing.  

[ptatohed]

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@Kforce wrote:

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@Kforce wrote:

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@ptatohed wrote:

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@tcbofade wrote:

Did we lose the ability to edit posts?

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Yes, after a certain time period.  I don't know what it is but feels like 24, maybe 36 hours.  

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Will do a rainy day test.

--------------------------------------------

Start:    5/17/2025  --  10:10 AM

Good:   5/18/2025 --     9:10 AM   /  23 Hrs

@ptatohed  and @tcbofade the answer is:

Would not let me edit at 5/18/2025 -- 10:10 AM, exactly 24 Hrs from post.

Answer is 23 hours and 59 minutes before being locked out.   

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That's awesome, thanks K!   :thumbsup: