Credit Card Center Advertiser Disclosure†
10-17-2012 02:42 PM
Will Freedom grow with me if I app? Are they pretty good about CLIs?
10-17-2012 02:42 PM - edited 10-17-2012 02:46 PM
I think USB likes to decline people for the Cash+ and instead give them a regular 1% back cash card. Although, once you get the basic card. After 6 months you can request and increase. If you can get it over a $5,000 limit, then you can have it converted to a Cash+ card. It seems like US Bank greatly favors people with multiple products.So since you have a checking account and are a employee, explain that to them. Tell them you want to keep your business there, so you need a card that can compete.
10-17-2012 02:45 PM
I am not sure about the Freedom growing, I just got mine. They gave me a pretty good limit to start.
I do know, that US Bank cards will for sure grow with you.
I started with a $300 limit and no credit just over a year ago. Now I have the Flexperks signature and 3 other cards that I am trying to convert to the Cash+.
Also, I hope you got your mortgage discounts from US Bank for being an employee and package member
10-17-2012 02:45 PM
I think USB likes to decline people for the Cash+ and instead give them a regular 1% back cash card. Although, once you get the basic card. After 6 months you can request and increase. If you can get it over a $5,000 limit, then you can have it converted to a Cash+ card. It seems like US Bank greatly favors people with multiple products.So if you have a checking account and stuff with them, explain that to them. Tell them you want to keep your business there, so you need a card that can compete.
I wonder if I call in to apply if I'll actually talk to a real person. If so, they might be located in the same building I work in. Hmmmm...
Do you think I should still apply for the Chase Freedom, too? I've never been one to carry much credit, but I'd like to start expanding my wallet.
Thank you for all of your advice.
10-17-2012 02:49 PM - edited 10-17-2012 03:08 PM
Here, I will give you a phone number. Please do not share how you got the number. Just explain your situation to the guy.
The office is located in coeur d'alene idaho, so if you work there it may be the same office and you may be speaking to your boss.
(PM for number if you still need it.)
10-17-2012 02:50 PM
10-17-2012 02:56 PM
You're a good person. I'm safe from worrying about speaking to someone in my building. I'm located in another state.
10-17-2012 03:02 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.