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Contributor
bellrod44
Posts: 76
Registered: ‎12-05-2011
0

Re: How many inquiries is too many?

Yes, and yes.... :smileyvery-happy:

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
Contributor
bellrod44
Posts: 76
Registered: ‎12-05-2011
0

Re: How many inquiries is too many?

Will Freedom grow with me if I app? Are they pretty good about CLIs?

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: How many inquiries is too many?

[ Edited ]

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.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: How many inquiries is too many?

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 :smileyhappy:

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
bellrod44
Posts: 76
Registered: ‎12-05-2011
0

Re: How many inquiries is too many?


Dustink wrote:

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.

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: How many inquiries is too many?

[ Edited ]

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. :smileyhappy:

 

(PM for number if you still need it.)

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: How many inquiries is too many?

You can app for both, I would just recommend you app for the one you want most prior to apping for the other.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Contributor
bellrod44
Posts: 76
Registered: ‎12-05-2011
0

Re: How many inquiries is too many?

You're a good person. I'm safe from worrying about speaking to someone in my building. I'm located in another state.

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
Valued Contributor
Dustink
Posts: 3,097
Registered: ‎10-02-2012
0

Re: How many inquiries is too many?

Good luck with your application. Hopefully that guy can help you out. Let us know what he is able to do for you.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%

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