Okay, now US Bank is just fucking with me.

I got home from work and saw a US Bank-branded envelope in the mail. “Oh good,” I thought to myself. “I’m finally going to find out if I got that Korean Air Visa card, since apparently it’s 1987, and banks only communicate via the postal service.” I eagerly opened the letter, realizing that this was the first time in at least a decade that I have excitedly opened the mail to learn something I had been waiting to find out. Imagine my annoyance, then, when I saw this bullshit:

IMG_2403

Another targeted offer?! Well, now if I don’t get that Korean Air card, I’m really going to lose it. Look at the first line of the letter: MY EXCELLENT CREDIT HISTORY! Not excellent enough to auto-approve me, though… Certainly not as excellent as when I was a 23-year old fuckup making minimum wage and you instantly gave me an REI Visa, I’m sure.

Obviously, something in my credit file triggered US Bank’s customer acquisition algorithm, which is why I’m now getting these offers. I had assumed it had more to do with my dormant Korean Air frequent flyer account, but perhaps not. In any case, I suppose it bodes well for my current application if they’re continuing to send these to me. I’ll be sure to report back once the pony express brings me news of my application status.

Also: I was gonna say that this sounds like a fantastic cash back card, at least to someone who doesn’t pay all that much attention to the cash back card ecosystem. However, after looking online at the 5% cash back categories you can choose from, I’m not so sure.

usbankcashback

When you consider a card like the Citi Double cash that gives you a 2% cash back baseline on everything, the 2% categories here are pretty meaningless. I suppose it’s a good opportunity to get 5% back on certain purchases, and with no annual fee, sure why not. Especially if you spend a lot of money on couches and basketballs. However, even if I did use cards to maximize cash back, these categories are narrow enough that I’d have a hard time remembering to use the card, and it would annoy me to carry it around in my wallet all the time when I only use it at McDonald’s and Crunch Fitness (although I do go to each multiple times each week).

Bottom line: Fuck you-(s bank).

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s