"Preapproval In The Mail !"
Harley-Davidson® Visa® Signature Review
Written by: kdb030609 on 2010-02-23
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
kdb030609's review: 
I received a preapproval in the mail. It has an introductory rate of 1.9 % for 12 months. After the introductory rate it goes to 16.9 %. My scores were EX 732, EQ 735, TU 755. I applied on 2/12/10 online I received the 7 -10 day message. I received an email on 2/16/10 that I was approved. I didn't know CL until I got the card today. I also received another preapproval in the mail from them again today. I've received offers for this card before in the past. I finally decided to give US Bank a shot. I'm very pleased to say the CL is $5500. The rewards 3 points for every dollar spent. Also every dollar spent each month enters you in a chance to win a new Harley-Davidson motorcycle. Well I hope this information helps !
I received a preapproval in the mail. It has an introductory rate of 1.9 % for 12 months. After the introductory rate it goes to 16.9 %. My scores were EX 732, EQ 735, TU 755. I applied on 2/12/10 online I received the 7 -10 day message. I received an email on 2/16/10 that I was approved. I didn't know CL until I got the card today. I also received another preapproval in the mail from them again today. I've received offers for this card before in the past. I finally decided to give US Bank a shot. I'm very pleased to say the CL is $5500. The rewards 3 points for every dollar spent. Also every dollar spent each month enters you in a chance to win a new Harley-Davidson motorcycle. Well I hope this information helps !
6 Comments
Comment 1 by wanderer
Re: Preapproval In The Mail ! 
on 2010-02-23
Congrats! Hey, maybe US Bank is going to be an active player?!
on 2010-02-23 Congrats! Hey, maybe US Bank is going to be an active player?!
Comment 2 by flirishpm
Re: Preapproval In The Mail ! on 2010-02-23
Hi... Congratulations on the new card. I applied for this card late last year and was originally denied by US Bank. I called their CSR number listed on the denial letter and plead my case that I was a FICO high achiever and I wanted to know the reasons I was denied. The CSR told me I had 'too many recent inquiries'... I explained that I purchased a car so it would only be reasonable that I would have inquiries. She agreed and said she'd bump it up to the their underwriting department for a decision. I received the new card with a $4k CL and APR of 14.99% to start off with. One thing I do not like about the card is that they've limited the cash advance to only $500. I'm one of those that likes to borrow at the beginning of the month for all of my bills and pay off the balance at the end of the month. It takes discipline but it works for me.
on 2010-02-23 Hi... Congratulations on the new card. I applied for this card late last year and was originally denied by US Bank. I called their CSR number listed on the denial letter and plead my case that I was a FICO high achiever and I wanted to know the reasons I was denied. The CSR told me I had 'too many recent inquiries'... I explained that I purchased a car so it would only be reasonable that I would have inquiries. She agreed and said she'd bump it up to the their underwriting department for a decision. I received the new card with a $4k CL and APR of 14.99% to start off with. One thing I do not like about the card is that they've limited the cash advance to only $500. I'm one of those that likes to borrow at the beginning of the month for all of my bills and pay off the balance at the end of the month. It takes discipline but it works for me.
Comment 3 by hjm331
Re: Preapproval In The Mail ! on 2010-02-23
Congrats! US Bank has been actively lending in this environment when other banks have tightened their belts. Kind of weird thinking about that because US Bank has always been conservative.
Hope you enjoy the card!
on 2010-02-23 Congrats! US Bank has been actively lending in this environment when other banks have tightened their belts. Kind of weird thinking about that because US Bank has always been conservative. Hope you enjoy the card!
Comment 4 by meya
Re: Preapproval In The Mail ! on 2010-02-23
Way to go! US Bank, has done it again... Lolz!
on 2010-02-23 Way to go! US Bank, has done it again... Lolz!
Comment 6 by nuovocapitolo
Re: Preapproval In The Mail ! on 2012-04-02
WOW nice CL. Have fun racking up rewards with that card.
on 2012-04-02 WOW nice CL. Have fun racking up rewards with that card.
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Disclaimer: This content is not provided by U.S. Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by U.S. Bank. Review content is powered by Finance Globe.
