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So I went on a major app spree back in March. Took 7 INQ and added 6 new TL. I swore myself into the garden until the Summer of 2015 (when my last baddie falls off, and I plan to apply for a mortgage). I was super happy about all of my cards and have gotten use out of all of them, save one....US Bank Platinum. It doesn't give any rewards, and has a low CL ($1K). I "graduated" to it from the US Bank secured, and figured I'd hang on to it. After my mortgage goes through next year, the plan was to try to PC it to the Cash +. I love the Cash + rewards, and is really the only card I want to complete my portfolio. But I had no plans to try until next year....
Fast forward to today...I had to deposit a check at the bank, so hit the US Bank drive-thru. The teller takes my check and informs me I have a US Platinum card and it does not give me any rewards (duh I know...I hate it...lol!). She said it looks like I qualify for one of their cash back rewards cards, and if I wanted to upgrade, she could run it through. I said sure why not ,thinking I'd get rejected (due to all the recent INQ and TL). She comes back a minute later and said:
"Congratulations! You've been approved for our US Bank Cash + card.".
She wrote the new limit down on the envelope. $5000.00...my head is still spinning! I asked her twice if she's sure it's the Cash +, and not the Cash Rewards, and she said she's absolutely sure. It's the 5%, 2% card. In my excitement, I forgot to ask her two things:
1). If this will be an HP...which I'm sure it is
2). If it will be a brand new TL, or a PC.
I don't really care...I'm super excited either way.
Great way to start a weekend!
OK, back to the garden...this time it's for real
Very nice, congrats and enjoy
Congrats! Lucky you!
congrats
Congrats! My bet it's a SP thanks for sharing.
Congrats!
@Dw4250 wrote:So I went on a major app spree back in March. Took 7 INQ and added 6 new TL. I swore myself into the garden until the Summer of 2015 (when my last baddie falls off, and I plan to apply for a mortgage). I was super happy about all of my cards and have gotten use out of all of them, save one....US Bank Platinum. It doesn't give any rewards, and has a low CL ($1K). I "graduated" to it from the US Bank secured, and figured I'd hang on to it. After my mortgage goes through next year, the plan was to try to PC it to the Cash +. I love the Cash + rewards, and is really the only card I want to complete my portfolio. But I had no plans to try until next year....
Fast forward to today...I had to deposit a check at the bank, so hit the US Bank drive-thru. The teller takes my check and informs me I have a US Platinum card and it does not give me any rewards (duh I know...I hate it...lol!). She said it looks like I qualify for one of their cash back rewards cards, and if I wanted to upgrade, she could run it through. I said sure why not ,thinking I'd get rejected (due to all the recent INQ and TL). She comes back a minute later and said:
"Congratulations! You've been approved for our US Bank Cash + card.".
She wrote the new limit down on the envelope. $5000.00...my head is still spinning! I asked her twice if she's sure it's the Cash +, and not the Cash Rewards, and she said she's absolutely sure. It's the 5%, 2% card. In my excitement, I forgot to ask her two things:
1). If this will be an HP...which I'm sure it is
2). If it will be a brand new TL, or a PC.
I don't really care...I'm super excited either way.
Great way to start a weekend!
OK, back to the garden...this time it's for real
awesome card....congrats!
Hmmmm.....so I've been reading back through some previous posts regarding the Cash+, and many have indicated you need a prior CL of $5K with them to qualify. I have also read about bankers/CSRs misinforming people about what they got (told them they received the Cash+ and the Cash Rewards shows up). So I'm going to temper my optimism until I actually get the card. The teller was certain it was the 5%, 5%, 2% card (I asked twice...lol!). But who knows. They did give me a $5000 limit which is indicitive of a Sig card. I will be disappointed if a Cash Rewards card shows up in the mail next week (1% on all purchases is almost as useless as the Platinum).
Anyway, I'll report back either way. If I do get the Cash+, it does indicate one can get the Cash+ card without a previous USB $5K CL. I do have several other cards with >$5K limits. However, my current USB Plat only has a $1K limit.