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corymcd88
Valued Contributor

US Bank

Are US Bank pre approvals any good? Is it a HP or SP?

Message 1 of 9
8 REPLIES 8
Anonymous
Not applicable

Re: US Bank

It's a Hard Pull and generally manually reviewed.. Just like a Credit Union credit card.
Message 2 of 9
Coolermaster007
Contributor

Re: US Bank

Hey guys anyone know if im allowed to apply for one of thier business card without having a branch in my state ? Thanks
Message 3 of 9
SouthJamaica
Mega Contributor

Re: US Bank


@corymcd88 wrote:

Are US Bank pre approvals any good? Is it a HP or SP?


In my experience no they're not.

 

I've received "pre-selected" offers with designated APR's 3 times from them. Each time I was denied instantly. Each time it was an EX HP.

 

From now on their offers go directly into the shredder.


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 710 TU 711 EX 715




Message 4 of 9
corymcd88
Valued Contributor

Re: US Bank


@SouthJamaica wrote:

@corymcd88 wrote:

Are US Bank pre approvals any good? Is it a HP or SP?


In my experience no they're not.

 

I've received "pre-selected" offers with designated APR's 3 times from them. Each time I was denied instantly. Each time it was an EX HP.

 

From now on their offers go directly into the shredder.


I thought US Bank pulled TU.

Message 5 of 9
Anonymous
Not applicable

Re: US Bank


@corymcd88 wrote:

@SouthJamaica wrote:

@corymcd88 wrote:

Are US Bank pre approvals any good? Is it a HP or SP?


In my experience no they're not.

 

I've received "pre-selected" offers with designated APR's 3 times from them. Each time I was denied instantly. Each time it was an EX HP.

 

From now on their offers go directly into the shredder.


I thought US Bank pulled TU.


Almost overwhelmingly US Bank does pull TU, but like many other lenders that generally pull 1 particular credit bureau (Barclays -> Transunion, Discover -> Equifax, American Express -> Experian), there are always exceptions (usually based on geographical location of the application).

 

That said, if you're interested in US Bank, the odds are very strong in your favor that TU will be reviewed, so that is the report I would pay the most attention to. What is your TU FICO?

 

Also, off topic question, but how did you get such a weird limit on your Freedom? Smiley Happy

Message 6 of 9
corymcd88
Valued Contributor

Re: US Bank


@Anonymous wrote:

@corymcd88 wrote:

@SouthJamaica wrote:

@corymcd88 wrote:

Are US Bank pre approvals any good? Is it a HP or SP?


In my experience no they're not.

 

I've received "pre-selected" offers with designated APR's 3 times from them. Each time I was denied instantly. Each time it was an EX HP.

 

From now on their offers go directly into the shredder.


I thought US Bank pulled TU.


Almost overwhelmingly US Bank does pull TU, but like many other lenders that generally pull 1 particular credit bureau (Barclays -> Transunion, Discover -> Equifax, American Express -> Experian), there are always exceptions (usually based on geographical location of the application).

 

That said, if you're interested in US Bank, the odds are very strong in your favor that TU will be reviewed, so that is the report I would pay the most attention to. What is your TU FICO?

 

Also, off topic question, but how did you get such a weird limit on your Freedom? Smiley Happy


Chase said I had too much credit with Chase and closed my Amazon Visa $1.500 CL and rased my Freedom by $1.251 CL so make since of that.

Message 7 of 9
corymcd88
Valued Contributor

Re: US Bank


@corymcd88 wrote:

Are US Bank pre approvals any good? Is it a HP or SP?


They are offering me the Cash + card. I like the 5% for electronics and department stores.

Message 8 of 9
SouthJamaica
Mega Contributor

Re: US Bank


@corymcd88 wrote:

@SouthJamaica wrote:

@corymcd88 wrote:

Are US Bank pre approvals any good? Is it a HP or SP?


In my experience no they're not.

 

I've received "pre-selected" offers with designated APR's 3 times from them. Each time I was denied instantly. Each time it was an EX HP.

 

From now on their offers go directly into the shredder.


I thought US Bank pulled TU.


All 3 of mine were EX.

 

But they were business cards, so maybe there's a difference.

 

 


Total revolving limits 586020 (520820 reporting) FICO 8: EQ 710 TU 711 EX 715




Message 9 of 9
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