Hello,
Upon the advise of Glitch99 and the fabulous AOR, I also send an email request to US Bank regarding the Baylor card I recently got. It was a 3% uncapped fee structure when I applied, but I sent an email stating that when I was originally looking to apply for this card it had a No Fee offer. They sent an email the next day with a promotional code (the same one that Glitch99 received, so yes it is generic). It seems to me that perhaps even an older card can take advantage of this promotional 0%/12months because the BT is done online following the below instructions. Good luck!

Here is the email I received:

Thank you for contacting U.S. Bancorp Service Center, Inc. via our website. We appreciate your interest in requesting a Balance Transfer. To receive 0% for 12 months with no fee, please use promotional code 45248.

You have two options on the website to find the request form for a balance transfer:

From the “Customer Service” Link at the top of the usbank.com homepage:

1. Scroll down to “Credit Card and Premier Line Account Options.”
2. Click on “Manage Your Credit Card or Premier Line Account.”
3. Choose the appropriate drop-down box for your credit card product (i.e., U.S. Bank, Gymboree Visa, Harley-Davidson Visa, REI Visa, SKYPASS Visa, or WorldPerks Visa).
4. Select Balance Transfer.
5. Click Next.

OR…

When logged into Internet Banking:

1. Click on the “Customer Service Center” link in the left navigation bar.
2. Scroll down to “Credit Card and Premier Line Account Options.”
3. Click on “Manage Your Credit Card or Premier Line Account.”
4. Choose the appropriate drop-down box for your credit card product (i.e., U.S. Bank, Gymboree Visa, Harley-Davidson Visa, REI Visa, SKYPASS Visa, or WorldPerks Visa).
5. Select Balance Transfer
6. Click Next.

To avoid any unnecessary late fees, please be sure to continue to make your regular minimum payment to your other account until you see that the balance transfer has been processed. Please contact us again if we can be of further assistance.

You are a valued cardmember and we appreciate the opportunity to be of assistance.

if you have an existing account, i'd suggest sending an email (or calling) with the promo code to verify the terms are valid for YOUR account.

FYI, I applied for the US Bank card via the Valpak offer (pdf here) over a month after the expiration (9/31). When I was accepted and called about the balance transfer, I was told the no-fee offer still applied, no code needed. So it seems they are negotiable on the fee.

Edit: Oh, and I took the BT and was not charged a fee.

Squeezer99 said:US Bank will only BT to another CC tho, so you will have to launder thru a citi card to get the $

i've been able to get US Bank/Elan to mail "BTs" to my savings account at USAA on 4 different cards. YMMV.

I like people of all colors. Vote red if you are a racist.
Oh, and on topic, this is a great deal.

I just called USbank and got nowhere on a year old unused NW card.
She "couldn't find that code on my account" so maybe it is somewhat targeted. Or my CSR was wrong.

Glitch99 said:Rorer714 said:Glitch99 said:Mine went to a HELOC without issue. Took the payee name, address, and account number on the online request form.
Did you use a debit card account # or just the loan #?
Did they mail a check or use ACH?
How long did it take?
Thanks!Just the loan number and payment address info, no debit card. I have no idea if they sent a check or not, but it took a couple days for it to post to the credit card, then another week for it to post to the HELOC.
From the time frame it seems they mailed it. Thanks!

glxpass said:I had 18 recently opened credit card accounts, but 4 of those were business cards and don't show on my consumer credit report. So make that 14 for US Bank purposes, hardly a huge AOR.
I know 14 by FW’s standards is not much but to a card issuer that has to raise a red flag.

no problem with us bank but they do not tolerate alot of inquiries or new accounts.

keep in mind part of their FICO scoring approval system can include specific limits (such as new accounts in 1 year, or inquiries showing).

heck crap1 told me i didn't own a house once as reason code lol.

just come back when you have ZERO inquiries and you should be good to go.

devildoc said:I just called USbank and got nowhere on a year old unused NW card.
She "couldn't find that code on my account" so maybe it is somewhat targeted. Or my CSR was wrong.

I had a feeling this was the case.

OP (and Glitch99), did you use the code on the Valpak offer or the Baylor card or something else?