For those with Multiple US Bank Cards.....

[Anonymous]

I’m wondering what the max number of cards is for US Bank, or if it is just a Max limit based on your income/credit.

I have the 365 Amex, Cash Plus Visa, Resrve Line of Credit, and the Premier Line of Credit.

Wondering if I can apply for a 3rd credit card.

Does anyone have 3?

Thx

[NRB525]

Yes, I had three.

A 2009 card that was PC'd to a Cash+ about a year ago

A 2011 Cash+

A FlexPerks Travel Rewards VISA that I had from August 2014 to about October 2014. Closed

A Fred Meyer Rewards Credit Card, from Jan 2015. I closed this one recently.

[Anonymous]

I have below 5 credit cards apart from reserve line and premiere line plus-

1. Cash Plus 

2. Cash 365 Amex

3. Perks +

4. FlexPerks Travel Rewards

5. Altitude Reserve

[Viva-LV]

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@Anonymous wrote:
I’m wondering what the max number of cards is for US Bank, or if it is just a Max limit based on your income/credit.

I have the 365 Amex, Cash Plus Visa, Resrve Line of Credit, and the Premier Line of Credit.

Wondering if I can apply for a 3rd credit card.

Does anyone have 3?

Thx

---

Four: Cash+, FP Visa, FP Am Ex, Alt Reserve, and Reserve Line of Credit.  Got denied for Premier LOC (mind boggle Ha!). TCL: 57k (cards).

[noobody]

I have way too much available credit on my US Bank credit cards. I want apply for premier LOC, shall I
1) call to reduce CL on credit cards to minimum level i need, apply after several weeks, hope to get a decent LOC.
OR
2) apply now, call analyst if application is denied or CL is insufficient, offer to move credit line from credit cards over.

I have excellent credit score and US Bank seems like me, they gave me my highest CL on cash+ few years ago, and keep offer SP CLI on my card accounts.

[manyquestions]

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@noobody wrote:
I have way too much available credit on my US Bank credit cards. I want apply for premier LOC, shall I
1) call to reduce CL on credit cards to minimum level i need, apply after several weeks, hope to get a decent LOC.
OR
2) apply now, call analyst if application is denied or CL is insufficient, offer to move credit line from credit cards over.

I have excellent credit score and US Bank seems like me, they gave me my highest CL on cash+ few years ago, and keep offer SP CLI on my card accounts.

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Option number 2 is what I would do.

[Schwartzinator]

Just an FYI, but US Bank no longer moves credit limits between cards. I've been told by underwriting that they'd be inclined to increase the line on a card after th closure/decrease on another card.

[Anonymous]

Thx all.

I also say app for the PLOc but call first. There are sometimes preapprocals that don’t show online. You can call once a month ask ask. I was told this because when I applied for my Premier Line Plus I called in for something else and was told I had a preapprocals for it. I asked why it didn’t show online and was told it was a mailer that went out. I probably threw it away ciz I didn’t get one or remember getting one. He advised me to call in and ask once a month or however often you want.

If you don’t have one then cold app for it. If you get denied for some reason call them. They are great to work with. Gl

[Viva-LV]

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@manyquestions wrote:

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@noobody wrote:
I have way too much available credit on my US Bank credit cards. I want apply for premier LOC, shall I
1) call to reduce CL on credit cards to minimum level i need, apply after several weeks, hope to get a decent LOC.
OR
2) apply now, call analyst if application is denied or CL is insufficient, offer to move credit line from credit cards over.

I have excellent credit score and US Bank seems like me, they gave me my highest CL on cash+ few years ago, and keep offer SP CLI on my card accounts.

---

Option number 2 is what I would do.

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Just be ready for a hp!

[Anonymous]

I would call the main number-ask if you have any preapprocals. (That’s how I got mine-wasn’t online but was told when I called in for a different reason. Also was told to call every month or two and ask. Some preapprocals are online-some over the phone-some via US Mail)

If you don’t have one then just cold app over the phone. If for some reason you are denied ask to talk to UW.

If you are part of the “Because you earned it” program (which is a joke IMO since it is TU Vantage Scoring) then you should be good if you have not gone over your limit iterally with them based on your income.

If you aren’t part of that BYEI program. Sign up. It’s only a soft pull and you qualify if your TU Vantage Score is 700 or above. They love that stupid program. Lol.