Credit Tips: US Bank Online Application Onlines Tips

Posted On: November 1, 2006

Author: spjoink
Posted: Thu Oct 26, 2006 1:30 am
Post subject: us bank nightmare…

i received a pre approval letter for a US bank visa plat with 0% apr for purch. and bt for 12 months…i applied online ..got approved but only for $5000 then the computer asked me to accept or to decline the offer…i accepted but as i clicked my mouse , it said …you declined the offer your records will be erased from our system…i called the cs number , but they were closed so yesterday i called in the morning spoke to a supervisor and she told me they must have had a computer glitch…anyway she would process the application again and i gave her 2 bank addresses for bt with account infos also…she assured me they would use the cr they pulled the first time again…..today i called for an update …spoke with a friendly rep (Amy) and explained her again what happened , she was able to find my approved application ….but she couldnt see the bt request , i gave her the info again and guess what they hit me with another inquiry…what can i do ?
2 inquiries for the same application…its just plain wrong….

Author: hdporter
Posted: Thu Oct 26, 2006 5:14 am
Post subject:

This sounds familiar to me … only my nightmare involved Capital One and when I tried to resolve it with “Customer Service” I was tossed into the bowels of the earth (aka *****) where I was tossed back and forth like a beach ball between the credit card CS dept and the new accounts dept.

I had been approved on the spot online, but with alternate terms than those offered via their webpage — I was offered $5K at 12.9%. Cool by me … I was looking to increase my existing $2K limit for greater access to their no fee “purchase” checks. However, when I clicked on “Accept” their system flaked out and sent me to a “Web Page Not Found”.

After messing around with them via phone for near half a day, no one was able to help me. One rep said they could see the alternate offer and offered to transfer me to someone who could help. The line went dead. When I called back, I couldn’t find anyone who said that they had access to the application information and that I must be mistaken.

Screw ‘em (actually, I intended to follow up in writing, but I never managed to). Now I sit with inquiries on my ALL 3 of my credit reports. I expect to dispute them and hope that C1 doesn’t bother to verify.

Serves me right for having the poor sense to bother with the f’ers.

Author: Polonius
Posted: Thu Oct 26, 2006 9:55 am
Post subject: US Bank Online Application Onlines Tips

Nightmare? One extra inquiry is a nightmare?

You must have a wonderful life!

BTW, often those extra inquiries disappear within a week.

As for Cap1, it always pulls from all three bureaus in my experience–for a single application…

Author: spjoink
Posted: Thu Oct 26, 2006 10:54 am
Post subject: US Bank Online Application Onlines Tips

One inquiry isnt the point, it has happened to me to many times , and i only cared because it was experian…have too many inquiries on experian..the reason it upsets me is that they misled me..i spent 30 min with supervisor on the phone just to avoid this..
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