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pt2005
Posts: 106
Registered: ‎10-12-2012

Need more info about US Bank Cash+ before applying. Help plz

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‎10-16-2012 10:17 PM

Hi all,

 

I'm tempting to apply for the US Bank Cash+ as joined account with my husband.

My scores are about 660 and his are in the 700-720.

 

My overall credit limit is about 9K, and his is 24K Our combined income is about $150K.

 

Do we have a chance at this card?

 

Thanks

FICO Scores: EX 744 (Quizzle), myFICO EQ 649, myFICO TU 671
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash Select 5k | Cap1 Cash Visa 3k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | AMEX TrueEarnings 4.5k | Discover More 1k
Store: PayPal SmartConnect 3.4k | Banana 2.2k | JCP 3.2k | TargetRED 300 | Kohls 100
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Mega Contributor
Creditaddict
Posts: 10,993
Registered: ‎10-23-2007

Re: Need more info about US Bank Cash+ before applying. Help plz

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‎10-16-2012 10:30 PM

Id be above 680 before applying. it use to be the minimum credit score before they even begin to review further credit stuff... been about 3-4 yeas since I heard if this is still  thing.

Waiting is so Overrated! :smileytongue:
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Valued Contributor
Dustink
Posts: 2,323
Registered: ‎10-02-2012

Re: Need more info about US Bank Cash+ before applying. Help plz

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‎10-16-2012 10:34 PM

It seems like a shot in the dark, but they will instead offer you a regular cash rewards card. After 6 months you can have the limit raised to $5,000. Then once it is over $5,000 you can request a change to the Cash+. Lengthy process.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
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