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Established Contributor
Posts: 1,047
Registered: ‎02-03-2009
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Re: I thank I found my Third CC choice!

link:

 

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


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788
Regular Contributor
Posts: 120
Registered: ‎05-27-2012
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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 Emeritus
Posts: 10,924
Registered: ‎12-30-2011
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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 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Regular Contributor
Posts: 120
Registered: ‎05-27-2012
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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
Posts: 1,703
Registered: ‎03-11-2009
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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.
FICOS
TU 802 4/7/15
EX 808 4/17/15
EQ 825 4/2/15
NASA 30K / / Amex 20k / / Chase Freedom 10.6k// Venture 20K / / / / / SD'd US Bank Cash+ 20k, LOC 15k, In their final resting place, can you hear the sound of taps?
Goal - At my age, just staying alive
Established Member
Posts: 21
Registered: ‎06-02-2012
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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.

Contributor
Posts: 82
Registered: ‎03-22-2012
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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.

Amex BCE $20.8k --- Cap1 QS $12.5k --- US Bank Cash+ $9.5k --- Target RedCard $300
Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
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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?

Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

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
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
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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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