Originally Posted by
EasternTraveler
I guess I have higher expectation. 1K increases every few months does not impress me. 5K credit limit does not impress me. I look at my several other cards with 100K and even US Bank with that limit and think ho hum. Yes they send out those personal loan papers all of the time to me pre approved, but I read the fine print and say good grief.
Curious what's wrong with the fine print of the pre-approved personal loans? Yes, the rate is higher (mine was around 12%), but they did a soft pull first and quoted me terms. No fees of any kind, no pre-pay, and funds in my account the next day. I thought it was a very smooth process IMO.