Do you have to live near a US Bank in order to app?

[39Xelor]

Im pre qualified for some nice cards they offer, but I live nowhere near a US Bank.. apparently they arent big on the east coast? Anyway.. If i app for a card online and i don't live within their footprint, can i still get the card?

[wacdenney]

My denial letter from them said I live outside their area in North Georgia, but my wife has one of their co-branded cards so go figure....

[enharu]

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@39Xelor wrote:

Im pre qualified for some nice cards they offer, but I live nowhere near a US Bank.. apparently they arent big on the east coast? Anyway.. If i app for a card online and i don't live within their footprint, can i still get the card?

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it depends.

For the Cash+ you need to be within their service region. for the other cards such as Flexperks, I think they are available to all customers.

[Ron1]

Some of US bank credit cards are are only for the customers live in their banking areas. You can apply any of co-branded one.

Ron.

[RockySC]

There is a phone number you can call and you can apply for one no matter where you live. Give this number a call and just ask to apply. I did so, I qualified for Cash+, but they didn't approve me for a limit high enough needed for the card. I can convert what they sent me after a few months as long as I can get the CLI they said...

1-800-285-8585

Maybe this doesn't work for everything? I don't know. It does work for Cash+ though.

[39Xelor]

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@RockySC wrote:

There is a phone number you can call and you can apply for one no matter where you live. Give this number a call and just ask to apply. I did so, I qualified for Cash+, but they didn't approve me for a limit high enough needed for the card. I can convert what they sent me after a few months as long as I can get the CLI they said...

1-800-285-8585

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Awesome! Much appreciated

[B335is]

Some people get a CSR that will take an app for Cash+ over the phone (some CSR's wont) but quite a few people end up getting a different card. Goodluck!

[RockySC]

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@B335is wrote:
Some people get a CSR that will take an app for Cash+ over the phone (some CSR's wont) but quite a few people end up getting a different card. Goodluck!

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That happens if you aren't approved for the Cash+ (usually if you can't get a CL of $5,000 or more). If you can't get that one, they automaticly send you the lower level card. Once you have a relationship with them, use the card they give you over time, and you're able to get a CLI of $5,000 or more you can then convert over to the Cash+ card.