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Regular Contributor
Posts: 133
Registered: ‎10-12-2012
0

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

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 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Epic Contributor
Posts: 24,407
Registered: ‎10-23-2007
0

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

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.

Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
83 Cards and Counting :smileytongue:
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

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

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:23    


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