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US Bank- Maybe the worst bank in the United States Don 08-16-2006
Posted by Don on August 17, 2006, 8:33 am
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>By getting a line of credit you have just "registered" a mortgage with the
>local governmental institution(s). Here in NJ that's the county. That is
>public information that anyone can access, and of course the leeches will
>try to profit. Depending on your personal situation, it might be a good
>idea to get some kind of insurance against the eventuality your
>breadwinning potential stops (as when run over by a truck). Usually term
>life insurance is the cheapest (I believe). It seems likely that in your
>case something like that is superfluous, but others may not be that lucky.

I think you're right about the registered mortgage stuff. My wife
sells for Re/Max and said the same thing. Believe me we don't need
insurance on a line of credit. The only reason we got the line of
credit is because I recently took advantage of the new Colorado law
that lets you freeze all three credit reporting accounts so that no
one can steal our identity. So just before we did that we got a large
line of credit just in case we stumbled on a home that was a steal and
had to move fast. Other than that we would never tap into this credit
line.


Posted by Don on August 17, 2006, 5:47 pm
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 Here's an update on US Bank. I went into a branch today and said if
they couldn't pay better than .10% interest on $10,000 I was closing
out my four accounts. They immediately put the $10,000 in a 9 month CD
paying 5% (yes I'm aware I could do better without tying my money up
in a CD but I want to avoid $15.95/month checking account charge).
Even better they flipped a code on my checking account to make is some
Gold elite or something that means it's free period. Free checks, free
traveler checks, free money orders, free everything. Perhaps it was
the rather large home equity line of credit I opened who knows. So I
found one person in US Bank who seems to care and had the power to
make things right. And she was good looking to boot. Life continues.

Posted by John Pollard on August 17, 2006, 11:30 pm
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> Here's an update on US Bank. I went into a branch today and
> said if
> they couldn't pay better than .10% interest on $10,000 I was
> closing
> out my four accounts. They immediately put the $10,000 in a 9
> month CD
> paying 5% (yes I'm aware I could do better without tying my
> money up
> in a CD but I want to avoid $15.95/month checking account
> charge).
> Even better they flipped a code on my checking account to make
> is some
> Gold elite or something that means it's free period. Free
> checks, free
> traveler checks, free money orders, free everything. Perhaps
> it was
> the rather large home equity line of credit I opened who
> knows.

> So I
> found one person in US Bank who seems to care and had the
> power to
> make things right. And she was good looking to boot. Life
> continues.

Who'd a thunk it? :)

Perhaps if you start throwing your weight around a bit more, you
might find ... who knows? :)



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