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Established Contributor
emptypockets
Posts: 898
Registered: ‎02-03-2009

Re: I thank I found my Third CC choice!

link:

 

https://cashplus.usbank.com/index.cfm/main/categories/demo/true

CC's: AMEX Delta/BCP/HH, Alliant Visa, PenFed AMEX, Nordstrom Sig Visa, Lowe's, BBRZ Plat, US Bank Cash+ Visa, Chase CSP/Freedom/Marriott/SWA Prem, Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's NFL Visa, Home Depot, Citi Diamond Pref./Dividend/AA Platinum, Discover IT, Walmart Discover, Cabela's Visa, Cap One Quick Silver, BOA BB Rewards MC, BMW Visa Siggy, Comenity FRN MC/TR Visa, Ebates Visa Siggy, 5/3 Real Life Rewards, Jared, Kohl's, Macy's, Macy's AMEX.

Current Scores: EQ (3/28/14): 798; TU MyFico (3/7/14):781; Walmart TU Fico 08 (4/4/2014): 814; EX (3/7/14): 773
Regular Contributor
BCF
Posts: 120
Registered: ‎05-27-2012

Re: I thank I found my Third CC choice!

this card looks awsome, any info about the approval conditions?

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Moderator
Revelate
Posts: 6,773
Registered: ‎12-30-2011

Re: I thank I found my Third CC choice!

Dunno, most cards don't have the things you list, but the ability to tailor my rewards profile to what my planned expenses will be on a quarter by quarter basis... that's pretty darned impressive.

 

I know I'm in no way qualified for any US Bank product beyond their secured; however, this card obviates the need for likely two rewards cards from other lenders.  I wonder if more lenders will come to adopt this particular strategy as I think it's exceptionally smart for customer acquisition and retention, any idea how long they've been offering this card?

 


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 672, Wally TU 686, EX 702 (04/14)
Goal Score: 700 in all three (01/01/15)


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Regular Contributor
BCF
Posts: 120
Registered: ‎05-27-2012

Re: I thank I found my Third CC choice!

I was on a chat with a CSR, he said that the minimum income is 15k but it is still not easy to get because of the other factors. He said if you don't qualify for this card we will consider the visa card (not signature) for you which has a flat 1% cash back

Wallet: AMEX Blue Cash Preferred 5k; BofA Visa CashRewards 5k; BofA 1-2-3 MasterCard 4.4k; Citi TY Premier 2.5k; AMEX HHonors 3.5k, Chase Marriott 5k, Barclays US Airways 2.5k, Kohl's 300
Valued Contributor
Imhotrodcrazy
Posts: 1,333
Registered: ‎03-11-2009

Re: I thank I found my Third CC choice!

FYI I just called US Bank to see if I could PC my flexperks card and they said no. It would be a new Acct and HP. So I will stay put for now. My flexperks gives me 1.5% across the board. Hope this info helps.
FICO
EX 842 3/27/14 (Myfico)
EQ 752 4/6/14
TU 799 4/13/14 (Myfico )

US Bank Cash+ 19.5k, LOC 15k, Amex BCE 15k
Last app. 12/2011

Goal - At my age, just staying alive


Established Member
Jonbo299
Posts: 21
Registered: ‎06-02-2012

Re: I thank I found my Third CC choice!

They are extremely conservative/picky (can't fault them) about anything negative. I've had a secured card with them for literally about 4 years now and they still refuse to convert it to unsecure because they only look at my credit report and not payment history. Unfortunately for me my credit isn't "perfect" because of old medical debts that come from a bad time financially about 6-7 years ago.

 

They aren't a bad bank overall. As said, I can't fault them for being very conservative but the benefits are great if you can get the card.

New Contributor
darkpearl
Posts: 72
Registered: ‎03-22-2012

Re: I thank I found my Third CC choice!

[ Edited ]

Did you guys see it comes with a free Experian credit score?

 

Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.

 

I chatted with a CSR and they said you can still apply if there are no branches in your state. Wikipedia has a map of branches. Haven't applied yet though I'm definitely planning to... This is a great card.

darkpearl's cc's
768 (EX 4/13)
Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012

Re: I thank I found my Third CC choice!


darkpearl wrote:

Did you guys see it comes with a free Experian credit score?

 

Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.

 


:smileysurprised: Did they say if that is a FICO score?


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


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Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: I thank I found my Third CC choice!

[ Edited ]

I believe it is Experian score is a FAKO Plus score.  So no big deal.  Trust me, if it was FICO, it would say it with a nice copyright notice.

               LIMITS IN CARD DESCRIPTIONS
Moderator
pizzadude
Posts: 8,143
Registered: ‎01-28-2010

Re: I thank I found my Third CC choice!


darkpearl wrote:

Did you guys see it comes with a free Experian credit score?

 

Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.

 

I chatted with a CSR and they said you can still apply if there are no branches in your state. Wikipedia has a map of branches. Haven't applied yet though I'm definitely planning to... This is a great card.



That a nice perk, just be aware that it is not a FICO score.... :smileywink:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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