US Bank; What to do, what to do?

[Guardian]

yes it is...I googled it ...

[oracles]

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@Guardian wrote:
yes it is...I googled it ...

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You have to PM me the website, so i can get it as well.

That is definitely cool

I promise to ask you first if i can use a certain one so we dont use the same one at the same time lol

[Guardian]

most certainly, this one was: http://www.mysmiley.net you may use whatever you want consistent with the providers terms. Have fun.

[oracles]

Very cool thanks

[Anonymous]

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@WhirledPeasPlease wrote:

LOL -- I wanted a backup card w/ decent terms, so I went for it. AAoA is 5'ish and oldest is 18.5, if that helps.

PS -- make sure you let me (err, us) know if you throw caution to the wind!

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Well, I succumbed to temptation and applied. Got the dreaded 7-10 day message, but received an email today telling me that I've been approved. Don't know the CL yet, though.

[oracles]

Hey Cheech

congrats, great job. Treat it well.

Why dont you call up and ask the CSR what is your CL and apr.

Keep us updated

[WhirledPeasPlease]

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Cheech wrote: Well, I succumbed to temptation and applied. Got the dreaded 7-10 day message, but received an email today telling me that I've been approved. Don't know the CL yet, though.

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Give 'em a call!

I called last night to ask if my card had been mailed.  I rec'd what looked like a 'change in terms' letter, but after talking w/ the CSR, I think it was just the normal terms for the card (no changes).  I got concerned that perhaps they'd already sent the card and something had happened to it.  It was mailed out earlier this week, so I should have it soon.

The CSR was great -- even at 8PM on a Friday night!    I asked her a few questions about BTs and she told me that there are actually multiple BT offers w/ my card.  One was the 5.99 x 60 mo, another was 0.0 x 12 mo and the third was an offer similar to one of the others, but I can't remember exactly what it was.  I know one of the three offers capped the BT fee at 100 bucks, the other two didn't.

I also asked about a CLI.  I was interested to see if they'd consider one if I BT'd a larger amount.  She said their policy is "wait 6 months and then try".  Okay, I can do that.

  I'm impressed so far!!! 

Keep us posted!

[haulingthescoreup]

These guys might be the only normal, properly functioning bank left in North America.

A lot to be said for having been non-glam through all the credit and financial shenanigans of the past few years. They've always reminded me of CU's --slow and steady wins the race!

I'm busily ignoring a few mailings from them as well.

[Anonymous]

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@oracles wrote:

Hey Cheech

congrats, great job. Treat it well.

Why dont you call up and ask the CSR what is your CL and apr.

Keep us updated

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Well, I called and it's only for 3K, but in these particular times, I'm not complaining. ;-)

[Guardian]

Congrats, happy for you. 3K may not be the idea amount you were looking for but not too shabby, so have fun and again congrats.