When I originally applied for a credit card, they had denied my application based on "my home phone number not matching". Since I didn't have a home phone number, I was very confused. I requested my free credit report after being denied, which didn't report any information that would have disqualified my application. After calling Cardmember Services, they told me the information that was disqualifying my application was based on a report from IDA Inc. So I wrote IDA like they said and requested my report. Again, their report showed no incorrect information that would disqualify my application. I called Cardmember Services once again, and they said there was nothing they could do about it. I was frustrated, so I finally found a phone number for IDA to talk to them about it. After speaking with a supervisor, they had told me that my report seemed to be clean and that it was above a certain score, which should have cleared the reporting check for US Bank.interesting enough, IDA's policy with US Bank is that if an individual's score is within the acceptable range, they are not allowed to refer the individual to IDA. So not only was my report checked and within the acceptable range, US Bank was breaking their own contracts with IDA. IDA was very helpful in the matter and told me exactly what I needed to say to a supervisor at US Bank to get to the bottom of my situation. So I called back US Bank and spoke with a supervisor, and surprisingly enough, they denied anything ever happened and that my application was actually APPROVED out of thin air. I should have taken things farther from the ILLEGAL hoops they had me jumping through, but I got my credit card, so no big deal.
Over a year later, I am now heading off to the Navy with Active Duty status. According to the SCRA, all lines of credit opened prior to active duty status are to be capped at an annual 6% interest rate. All I had to do was submit a letter with my orders and it would be capped. It's not that easy though. I had to call US Bank to get the address for Cardmember Services to send my letter and orders. Every week after I sent it in, I called them to see if they had received it and if it was processing. After 3 weeks, I finally gave up waiting and spent the money to FAX in my orders.US Bank representatives said it would take a few days to process it, but they would work over the weekend to do it. I called in a few days later, like they told me to, and they said they received it but hadn't processed it over the weekend like they said they would. So now I have to wait a few more days for them to process it, only a few days before I leave to bootcamp. A process that should have taken no longer than a week has taken an entire month to complete. I can guarantee they received my orders the first time I mailed it because every other company I had mailed with the same letters had already received them the week I sent them.
This credit card is ridiculously difficult, with representatives who don't really know what they are doing and feed you lies so that you'll be temporarily happy.
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