USBank -- again..

[Anonymous]

I'm just curious.  I did a search and saw two threads on this Plat Visa, but I thought I'd throw it out there to see if anyone else has gotten one of these in the past few days or so.

Pre-qualified offer for USBank Plat Visa

Advertised 'Generous CL'

60 month BTs at 6.99 (3% BT fee applies)

12 month intro APR at 0.00

Standard APR of prime + 7.99

$40 AF - waived with 1 purchase each year

I think it was HTSU and (just slipped my mind) got this offer a month or so ago. 

Did anyone bite? 

[haulingthescoreup]

It was me (maybe among others), and I did not bite as I am now without teeth, mmph, mmmph.

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=51785

[Anonymous]

Yup -- and this one..

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=47160#M47160

I'm kinda flattered.  (I'm not apping, tho - NO apps until September!)

[Anonymous]

You have much more self-control than I do.  If I got a pre-app in the mail from US Bank, I think I'd frame it.

[BBYGRL]

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WhirledPeasPlease wrote:

Yup -- and this one..

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=47160#M47160

I'm kinda flattered.  (I'm not apping, tho - NO apps until September!)

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Yep - That was me...no I didn't bite.  I opted for the Citi Plat Amex. I would've reconsidered but I have vowed not to app until 2010.

Message Edited by BBYGRL on 04-09-2008 09:28 PM

Message Edited by BBYGRL on 04-09-2008 09:28 PM

[creditninja9000]

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@Anonymous wrote:

You have much more self-control than I do. If I got a pre-app in the mail from US Bank, I think I'd frame it.

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Why is USBank so great?

[Anonymous]

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@ejbeasley wrote:

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@Anonymous wrote:

You have much more self-control than I do. If I got a pre-app in the mail from US Bank, I think I'd frame it.

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Why is USBank so great?

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It's not that they're so great; it's that they're known for being difficult to get, like Discover and Amex used to be.

What I was saying was that if I got one of those preapprovals in the mail, it would be a good sign that I have "arrived" creditwise.

[MidnightVoice]

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cheddar wrote:

You have much more self-control than I do.  If I got a pre-app in the mail from US Bank, I think I'd frame it.

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Is USBank any good as a CC?  I have my checking AC with them

[MidnightVoice]

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cheddar wrote:

It's not that they're so great; it's that they're known for being difficult to get, like Discover and Amex used to be.

Ah, I see.

[Anonymous]

Is USBank any good as a CC?  I have my checking AC with them

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Not to sure. DW has a card and the limit was raised to 8400.00 from 7100.00 or something but the interest was 22.49% for purchase and 23.24% for Advances.

Unfortunately for her was all her charges were Cash advance for a bal of 5400.00 so She called them and they said since you have been a good customer and her fico's are in the low 700's that the would drop the % to 2.99 for 9 months. GREAT!

That was for purchases. The Cash Advance stays at 23.24