Hi, I would appreciate if you could share your experience with US bank, such as 1)how generous their credit line is 2)Their general APR policies 3)Customer service 4)How frequently special offers are sent out...... ..... My score is about 770 and I carried some balances here and there last six months. Whole purpose of this new application is to take advantage of 0% BT offer.(10~20k) I am preapproved. Also, if you could suggest any other creditors, that'd be awesome too. ( I have WF,citi,chase,Boa already) Thanks in advance!
Be aware of Advanta cc. I was approved for $3000 at 7.9%. This was the rate for 3 months, then it went up to 24.99. They said that it went up because they check you credit reports from time to time and according to what they see they act accordingly. What morons!!! My credit report looks better then when I applied for the Advanta card-go figure. I was approved for a Citi business card and have a $15000 credit limit. I will just transfer the Advanta balance and hope that they will lower my eare once they see that. It looks like you have enough cards. Are you just looking for the best rate?
According to my humble research, US bank doesn't give out huge limits I need. Can anyone confirm this for me or disprove it? BTW, sounds really dumb, but can a person without a business apply for a business card? Is there an established trick to get one at all? My wife has citi Professional w/ TYP without having any business at all. It does show on her CRs. CSR told me that it's business card and I can't convert my citi card into it.
