I've tried to be fairly thoughtful with new accounts, although there is one fly in the ointment that can't be ignored... Amex Delta Gold.
I got the card with the intent to eventually move the credit line to my (then) $1k BCP, but the Delta Gold was also approved for $1k so I was unable to move the limit over, leaving me with a useless card that had an AF after the first year (I closed it after 11 months).
Which leads to the next problem... the following year when I applied for the new Cash Magnet I received the infamous 'no bonus for you' pop-up, which was almost certainly triggered by the Delta Closure.
Those 30K SkyPesos ended up being expensive... 
@NRB525 wrote:
@Revelate, when was your US Bank experience? In the last few years they have significantly improved the website and ability to work with accounts.
One card is the State Dept FCU Secured card. Got it in 2015 when it was a SP all the way. Turns out it was fun to play with the $500 limit, but found SDFCU to be not simple to work with. I probably missed some features but closed it as I have Diners for Chip+PIN and don’t need extra accounts.
Other cards with SUB make the pain bearable, until I just close the account as not worthwhile.
@NRB525 literally current with my auto loan.
There's no excuse for some of the things I have seen and the app is just a skin of the website. It's not good, literally BOFA and Chase both were better back in 2011, only lender which I'll say was worse that I've experienced was JCB as that online interface was confusing as hell.
Well, to be fair, Union Bank is pretty not great either now that I think about it but that's because most mortgage details are on a second site which sucks on mobile, wonder if the USBank experience would be better if I had a credit card instead of just an apparently awkward auto loan.
I guess I just expect better from a major bank, USAA, DCU, Alliant, Citi, Elan to say nothing of Chase, BOFA, Cap 1 all functional: I'd even say Penfed's better which is probably one of the less good ones. First Tech sort of but admittedly weird if I don't have a balance on my credit card with them it doesn't show up in the account list... credit cards and debit cards are under some additional "Manage Cards" bit which is also kinda dumb. These UI's can't be this hard, all of them have easy examples to follow of good ones 
.
Oh, well I imagine US Bank auto loan web experience is as bad as the mortgage website.
But those are not the Credit Card experience. I find it easy to navigate, and rewards viewing, and cashing out the two Cash+ are easy. The Altitude has good visibility to the benefits. Card statements are easy to find, transactions can be downloaded to Excel to see how the 5% categories coded, and that download even remembers which transactions you already downloaded and starts with new.
Anyway, major improvements in the US Bank CC web pages.
But those are not the Credit Card experience. I find it easy to navigate, and rewards viewing, and cashing out the two Cash+ are easy. The Altitude has good visibility to the benefits. Card statements are easy to find, transactions can be downloaded to Excel to see how the 5% categories coded, and that download even remembers which transactions you already downloaded and starts with new.
Anyway, major improvements in the US Bank CC web pages.
@AverageJoesCredit wrote:
Pendread😠😡🤬🤦♂️
After reading through these forums about "Pendread" and the shade they have been throwing I decided to pass and sign-up for BECU instead. But you my friend, without you I might have made a mistake and got a (HP) on EQ.
Thanks 
Wells Fargo propel ..
