MemberSince99 wrote:I don't mean to offend anyone, I'm just very disappointed I applied for this card which is now pretty much worthless in the first place.
The best response we can give is to deep six the card. If not close, then either don't use until they close, or put a small recurring monthly charge on it, just use it for that (something they can't make money on) and make them wish you'd closed it. That may hurt worse than closing it. And I'm thinking that may be the form of revenge I choose.
But honestly they are all slimebags let's be upfront about that. US Bank might be among the worst but none of them is any better than the average mafioso. They just have more respectability is all. Never think these people are your buddies they aren't - you are just a number to them and that's how much they can make off you and if you are smart you will return the favor in kind.
That's certainly one view! However, we disagree in that I don't think the card is worthless now, just greatly reduced in value, just like the BCP before it.
But..., my view is use it to make whatever money you can, rather than deep-sixing it.
I don't think anyone her is saying the bank is your buddy, but you have the opposite attitude. There isn't really any point in "punishing" US Bank, you are a number to them and they should be a number, a potential source of revenue, to you. Doing small recurring charges is pointless, it doesn't gain you anything, and in the scheme of lots of users, doesn't hurt them
Here is a piece of plastic, use it to maximize your gains (using it where appropriate, using something else where that is appropriate)
My lesson from this (and BCP) is simply: When a great credit card comes along, get it early, and use it as much as you can, because it is going to go downhill pretty quickly. Maximize your gains and move on.