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Valued Contributor
navigatethis12
Posts: 1,913
Registered: ‎01-24-2012
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Re: Anything I can do? (US BANK)


iMacDrew wrote:


ive never had any experience with US bank till apping, the Cash+ seemed awesome, it was my fault because I should have paid more attention to detail but theyve left a bad taste in my mouth. this is similar to my very first credit card with just a higher cl. As far as banks go overall i never plan on considering them again. Citi sure, BofA sure, Chase def. but US Bank just got BLACKLISTED!:smileywink:


 

It is obviously your right to but why would you never consider them again? You got denied the card you wanted but you still got a card. Using it will indeed show them how you handle your account and could open the gates to get the Cash+ later on. Having other cards with limits of over 5000 does not mean that another lender will for sure give you one as well. I do not know anything about your credit profile but maybe you had inquiries or recent open accounts? Anyway, I would not let one denial keep me from doing business with a bank.

Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009
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Re: Anything I can do? (US BANK)

In my recent experience you can PC to cash +. I have the Flex Perks cash rewards.  I have had the  card for 2 years now. Along story short  I went to my US bank branch talked with a banker who tried to PC my exisiting account. The banker was not able to also called to confirm that their was not a way to do this. So I applied for the Cash + card  I got with a  higher credit limit than my existing card. For what ever its worth the banker I talked to looked at my credit limit and came with in 10 to 15 points of may FICO score.

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
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Re: Anything I can do? (US BANK)


AndySoCal wrote:

In my recent experience you can PC to cash +. I have the Flex Perks cash rewards.  I have had the  card for 2 years now. Along story short  I went to my US bank branch talked with a banker who tried to PC my exisiting account. The banker was not able to also called to confirm that their was not a way to do this. So I applied for the Cash + card  I got with a  higher credit limit than my existing card. For what ever its worth the banker I talked to looked at my credit limit and came with in 10 to 15 points of may FICO score.


difference is that you have had the card a while vs being just approved like the others.  Also, your score seems quite a bit higher than the others.

               LIMITS IN CARD DESCRIPTIONS
Contributor
surfnspy
Posts: 84
Registered: ‎06-17-2012
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Re: Anything I can do? (US BANK)

@iMac...

"US Bank just got BLACKLISTED!:smileywink:"

 

Daaaaamn!

 

I like it!  :smileyhappy:


BARCLAYS FICO 750 (1/2014)

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Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012
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Re: Anything I can do? (US BANK)

[ Edited ]

navigatethis12 wrote:

iMacDrew wrote:


ive never had any experience with US bank till apping, the Cash+ seemed awesome, it was my fault because I should have paid more attention to detail but theyve left a bad taste in my mouth. this is similar to my very first credit card with just a higher cl. As far as banks go overall i never plan on considering them again. Citi sure, BofA sure, Chase def. but US Bank just got BLACKLISTED!:smileywink:


 

It is obviously your right to but why would you never consider them again? You got denied the card you wanted but you still got a card. Using it will indeed show them how you handle your account and could open the gates to get the Cash+ later on. Having other cards with limits of over 5000 does not mean that another lender will for sure give you one as well. I do not know anything about your credit profile but maybe you had inquiries or recent open accounts? Anyway, I would not let one denial keep me from doing business with a bank.


Well first impressions are a big deal to me and theirs wasnt so great. I found the csr to be a little rude and stubborn, she also seemed like she didnt understand the simple questions I asked her. Simple ones like how soon before I can make a PC. She told me I couldnt. I believed her so that right there made me think of US bank to be sub par. I understand using the card will establish history, but really I appd for cash+ for the my bills not for my daily spender. I rather not take away usage from my other cards with better rewards just to give US Bank a warm fuzzy feeling because I swiped their card. 

 

 all that being said though, I spoke with a CSR today in the Retention Department as i was going to cancel and she seemed very knowledgable and concerned. She told me that they would pull my report on file, and see if i can be bumped to the Visa Sig minimum of 5k and I can Ask to do a PC after 30 days which isnt too bad. I may just use it to buy random things on base that dont show as groceries, gas or department stores.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009
0

Re: Anything I can do? (US BANK)

@Crashem

 

I think was not too clear I had the old card. I had to apply for the new card I could not PC the old to Cash+

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
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tboy1977
Posts: 221
Registered: ‎07-11-2012
0

Re: Anything I can do? (US BANK)

+1

 

I agree.  Let it age.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
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