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Any CSR, Credit Card workers lurking here?

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Anonymous
Not applicable

Re: Any CSR, Credit Card workers lurking here?

@14fiesta, Hello, I have a foreclosure with US Bank from 01/12 and would like to know if I'd even be considered for a cc from US Bank or am I'm blacklisted?

Message 11 of 14
14Fiesta
Established Contributor

Re: Any CSR, Credit Card workers lurking here?


@Anonymous wrote:

@14Fiesta wrote:

Surprised that you got an answer so quick? lol

 

I do work as a CC CSR for US Bank. Ask me anything! Smiley Happy


Okay. How come all I ever get is the prepaid debit card when I check the US Bank pre qual? Smiley LOL


Because we hate you for no reason in particular. Smiley Tongue

 

EDIT: Don't feel to bad, I only get the debit card as well. I should write a strongly worded email to Richard Davis. Smiley LOL






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 12 of 14
14Fiesta
Established Contributor

Re: Any CSR, Credit Card workers lurking here?


@Anonymous wrote:

@14Fiesta, Hello, I have a foreclosure with US Bank from 01/12 and would like to know if I'd even be considered for a cc from US Bank or am I'm blacklisted?


This is a tricky one. While like I mentioned above, I can't really speak on behalf of underwriting, but I would be willing to bet you would have a very difficult time trying to get a cc. It's very well known by all internal employees, as well as everyone here that US Bank is EXTREMELY conservative. Like we give Simmons First a run for their money kind of conservative lol. Based off that alone I would say your chances lean more on the side of "probably not". 






EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)
Message 13 of 14
Anonymous
Not applicable

Re: Any CSR, Credit Card workers lurking here?

That's what I thought, thank you.
Message 14 of 14
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