U.S. Bank's Credit Card Finder (2024)

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@Anonymous wrote:

So I was shopping around for a credit card today. Decentcredit score - around 770. According to Capital One I qualify for everything they offer, accoding to Chase I qualify for the Sapphire Preferred, Freedom, and Slate, but according to U.S. Bank I'm only fit for their Contour Prepaid Card. What the heck?

Anybody got an idea why that would be?

Its junk... I do bank with them, so I get a pre "Offers" other then the countour and I have way lower scores then yours... Assume it can see my banking account. Your results are fairly typical though.

Also I wouldn't put much wait on US Banks Pre-Qual site... If your profile is strong and not a tons of new accounts/inquires then just apply for whatever you might want.

@Anonymous wrote:

So I was shopping around for a credit card today. Decentcredit score - around 770. According to Capital One I qualify for everything they offer, accoding to Chase I qualify for the Sapphire Preferred, Freedom, and Slate, but according to U.S. Bank I'm only fit for their Contour Prepaid Card. What the heck?

Anybody got an idea why that would be?

Depends which bureau they are softing if they've even targeted you at all.

@Anonymous wrote:

@Anonymous wrote:

So I was shopping around for a credit card today. Decentcredit score - around 770. According to Capital One I qualify for everything they offer, accoding to Chase I qualify for the Sapphire Preferred, Freedom, and Slate, but according to U.S. Bank I'm only fit for their Contour Prepaid Card. What the heck?

Anybody got an idea why that would be?

Depends which bureau they are softing if they've even targeted you at all.

Never seen a soft from US Bank on my CR's.. I get mailers and get options on their site though.. Assume either it is my banking "reationship"" or the CRA's deal with US Bank why I get crud from them. No desire for any of their cards.

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@CreditCuriousity wrote:

@Anonymous wrote:

@Anonymous wrote:

So I was shopping around for a credit card today. Decentcredit score - around 770. According to Capital One I qualify for everything they offer, accoding to Chase I qualify for the Sapphire Preferred, Freedom, and Slate, but according to U.S. Bank I'm only fit for their Contour Prepaid Card. What the heck?

Anybody got an idea why that would be?

Depends which bureau they are softing if they've even targeted you at all.

Never seen a soft from US Bank on my CR's.. I get mailers and get options on their site though.. Assume either it is my banking "reationship"" or the CRA's deal with US Bank why I get crud from them. No desire for any of their cards.

Same.

The last time I applied for anything from them they kicked the app back, didn't pull anything and when I called they told me I was not in their service area.

I'd be denied for a Contour even.

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@Anonymous wrote:

Same day, I received instant approval for 20K on a Chase Card.

But that USBank secured card sure looks inviting....

Do you have any other banking relationship with US Bank? I have a mortgage and they called me in 2009 and 2012 to push credit cards on me. Was no issue for me to get the Travel (non)Rewards card last summer,which I just closed. Going in to the actual branch is suggested also, it works well with US Bank.

Or, you could get the secured card and work that for a year then go for a real US Bank card. That's the exact strategy I am resorting to with PenFed, get a secured for now while I can't get a real card from them

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

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@NRB525 wrote:

@Anonymous wrote:

Same day, I received instant approval for 20K on a Chase Card.

But that USBank secured card sure looks inviting....

Do you have any other banking relationship with US Bank? I have a mortgage and they called me in 2009 and 2012 to push credit cards on me. Was no issue for me to get the Travel (non)Rewards card last summer,which I just closed. Going in to the actual branch is suggested also, it works well with US Bank.

Or, you could get the secured card and work that for a year then go for a real US Bank card. That's the exact strategy I am resorting to with PenFed, get a secured for now while I can't get a real card from them

I'm surprised you were approved for the PenFed card. Was it because of your high utilization?

0Kudos

@Anonymous wrote:

So I was shopping around for a credit card today. Decentcredit score - around 770. According to Capital One I qualify for everything they offer, accoding to Chase I qualify for the Sapphire Preferred, Freedom, and Slate, but according to U.S. Bank I'm only fit for their Contour Prepaid Card. What the heck?

Anybody got an idea why that would be?

As it happens, I also checked their site this morning. And also got the Contour.

0Kudos

@Anonymous wrote:

@NRB525 wrote:

@Anonymous wrote:

Same day, I received instant approval for 20K on a Chase Card.

But that USBank secured card sure looks inviting....

Do you have any other banking relationship with US Bank? I have a mortgage and they called me in 2009 and 2012 to push credit cards on me. Was no issue for me to get the Travel (non)Rewards card last summer,which I just closed. Going in to the actual branch is suggested also, it works well with US Bank.

Or, you could get the secured card and work that for a year then go for a real US Bank card. That's the exact strategy I am resorting to with PenFed, get a secured for now while I can't get a real card from them

I'm surprised you were approved for the PenFed card. Was it because of your high utilization?

Not approved, yes, high utilization, but more than that,large amounts outstanding. Doesn't seem to bother US Bank, Diners, or Chase. PenFed sez no.

So I used the HP and a savings account depositto getthe secured card.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765