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mdcrabber

Hello Kitty MC

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Anyone have this card or heard of this bank?

 

 

Sent from my iPhone using Tapatalk

I haven't apped with UMB since 2013, but they were VERY old school back then... more like dealing with a CU than a bank:

 

-you could app online but all applications were manually reviewed and replied to by snailmail ("please allow 2 weeks for processing") LOL.

-they pulled TU, or sometimes TU+EQ.

-very possibly also pulled ARS or something because they were "inquiry sensitive."

-also new account sensitive.

-somewhat conservative (similar standards to FNBO, IME).

 

Maybe they have changed though, that was five years ago!

 

They used to offer lots of interesting affinity cards, but low SUBs.

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Anyone have this card or heard of this bank?

 

 

Sent from my iPhone using Tapatalk

I haven't apped with UMB since 2013, but they were VERY old school back then... more like dealing with a CU than a bank:

 

-you could app online but all applications were manually reviewed and replied to by snailmail ("please allow 2 weeks for processing") LOL.

-they pulled TU, or sometimes TU+EQ.

-very possibly also pulled ARS or something because they were "inquiry sensitive."

-also new account sensitive.

-somewhat conservative (similar standards to FNBO, IME).

 

Maybe they have changed though, that was five years ago!

 

They used to offer lots of interesting affinity cards, but low SUBs.

What is ARS? What’s the annual fee like? I would assume this isn’t subprime then.

 

I was curious, I’m waiting for a few things to be deleted in my reposts then I will apply.

 

 

Sent from my iPhone using Tapatalk

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Anyone have this card or heard of this bank?

 

 

Sent from my iPhone using Tapatalk

I haven't apped with UMB since 2013, but they were VERY old school back then... more like dealing with a CU than a bank:

 

-you could app online but all applications were manually reviewed and replied to by snailmail ("please allow 2 weeks for processing") LOL.

-they pulled TU, or sometimes TU+EQ.

-very possibly also pulled ARS or something because they were "inquiry sensitive."

-also new account sensitive.

-somewhat conservative (similar standards to FNBO, IME).

 

Maybe they have changed though, that was five years ago!

 

They used to offer lots of interesting affinity cards, but low SUBs.

What is ARS? <= one of the 'other' CRAs. They (try to) track ALL v/mc apps from addresses associated with you + ALL inquiries (not just 1 CRA). They do miss a few though.

 

I would assume this isn’t subprime then. <= no, UMB is not subprime.

 

I never had an AF on any UMB card, but maybe some have one.

Edited by Occam

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I've thought of applying for it along with a Victoria's Secret card, but haven't. Maybe one of these days. The thing is I have so many bankcards I really don't know the number I have, except that it's taking longer and longer to rotate through all of them.

Edited by Burgerwars

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Anyone have this card or heard of this bank?

 

 

Sent from my iPhone using Tapatalk

I haven't apped with UMB since 2013, but they were VERY old school back then... more like dealing with a CU than a bank:

 

-you could app online but all applications were manually reviewed and replied to by snailmail ("please allow 2 weeks for processing") LOL.

-they pulled TU, or sometimes TU+EQ.

-very possibly also pulled ARS or something because they were "inquiry sensitive."

-also new account sensitive.

-somewhat conservative (similar standards to FNBO, IME).

 

Maybe they have changed though, that was five years ago!

 

They used to offer lots of interesting affinity cards, but low SUBs.

What is ARS? <= one of the 'other' CRAs. They (try to) track ALL v/mc apps from addresses associated with you + ALL inquiries (not just 1 CRA). They do miss a few though.

 

I would assume this isn’t subprime then. <= no, UMB is not subprime.

 

I never had an AF on any UMB card, but maybe some have one.

Thank you

 

 

Sent from my iPhone using Tapatalk

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Did he say it was a 1962 "hello kitty" geehtar? I don't think HK goes back that far.

She will be 45 come 11/1

 

 

Sent from my iPhone using Tapatalk

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Did he say it was a 1962 "hello kitty" geehtar? I don't think HK goes back that far.

She will be 45 come 11/1

 

 

Sent from my iPhone using Tapatalk

Yes HK goes back to the 60's. With that said, she ages well.

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Did he say it was a 1962 "hello kitty" geehtar? I don't think HK goes back that far.

She will be 45 come 11/1

 

 

Sent from my iPhone using Tapatalk

Yes HK goes back to the 60's. With that said, she ages well.

Actually she came about in 1974 introduced in the states in 1976...

 

 

Sent from my iPhone using Tapatalk

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