cancel
Showing results for 
Search instead for 
Did you mean: 

US Bank Cash + Approved 15.49%..Need Recon Advise

Frequent Contributor

US Bank Cash + Approved 15.49%..Need Recon Advise

Update:  after setting up the account it shows SL of $5K.

 

I app'd US Bank about 7 or 8 days ago, can't remember, actually forgot about it...never received email.  Seemed like an application glitch.

 

Got the Card today...do not know CL...pretty sure it will be the famous 500.

So, before I activate it.....

What do you say to the analysts to request a limit increase?  I hate talking to real people about credit...LOL.

I don't want to appear anxious...

Do you ask for a match to another card?    I have AMEX with 12k.

10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 1 of 10
9 REPLIES
Moderator

Re: US Bank Cash + Approved 15.49%..Need Recon Advise


@LuvsRetro wrote:

I app'd US Bank about 7 or 8 days ago, can't remember, actually forgot about it...never received email.  Seemed like an application glitch.

 

Got the Card today...do not know CL...pretty sure it will be the famous 500.

So, before I activate it.....

What do you say to the analysts to request a limit increase?  I hate talking to real people about credit...LOL.

I don't want to appear anxious...

Do you ask for a match to another card?    I have AMEX with 12k.


Congrats on the approval.  Many of us have received the same $500 SL and had to recon for a higher one.  Ask for $15K and tell them you were considering the card for their BT offer but with that limit, it would be impossible.  Add that a $500 SL is basically useless and not in line with your other cards.  Very easy to recon with them and you shouldn't have a problem getting a higher limit.  Good luck

Message 2 of 10
Frequent Contributor

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

Irish80.....

 

 Yay, thank you!!  

 

Trying to set up account now and will call!

10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 3 of 10
Frequent Contributor

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

SL of $5,000.00......Wonder if I should ask for more or just leave it be...I would like it to be closer to my Amex.

10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 4 of 10
Valued Contributor

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

You've already taken the HP to get it, shouldn't be another to ask for more unless they tell you it will be. 

As suggested, mentioning you'd like to have a higher limit to use for BT and not wanting to max the card out. Worse they can say is no, but maybe you can get more from them.

 

Congratulations, by the way; good SL for US Bank

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (1,700) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (3/14/18): 690 Transunion, 650 Equifax, 687 Experian
Message 5 of 10
Established Member

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

Congrats on new card ..

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 6 of 10
Frequent Contributor

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

Thanks Tigers09...

I will toss it around for a little bit.....

Surely do not want another HP...saving it for a future Hustler Fastrak promo on the biz side.

10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 7 of 10
Frequent Contributor

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

Thank you VoltronM!

10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 8 of 10
Valued Member

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

Congrats on the new card, I am waiting to hear back from them.
Current Fico 8 Scores: TU-687 | EX-685 | EQ-698
Goal Scores: 700 across the board

Current Cards:


Wish List:
Message 9 of 10
Valued Contributor

Re: US Bank Cash + Approved 15.49%..Need Recon Advise

Wish I never closed mine, but they did me wrong. Congrats OP!


FICO 8 EQ 727, EX 719, TU 731
FICO 9 EQ 746
Message 10 of 10