Reply
tbs
New Visitor
Posts: 2
Registered: ‎10-20-2012
0

Re: No US Bank Cash+ for me.

Hi all, I would like to share some information about this card. I opened checking account at US Bank and applied for this card at the same time. After click  apply button, I called underwriting and knew I was approved but the CLI is 3,500. It means not Cash+ card. So I told them I need Cash+ and they said they will recon for this card. 2 days latter, called and checked my application status, got approved for 5,000. They pull TU for me. My FICO score is around 680 and more than 10 inquiries in my CR.

Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
0

Re: No US Bank Cash+ for me.


tbs wrote:

Hi all, I would like to share some information about this card. I opened checking account at US Bank and applied for this card at the same time. After click  apply button, I called underwriting and knew I was approved but the CLI is 3,500. It means not Cash+ card. So I told them I need Cash+ and they said they will recon for this card. 2 days latter, called and checked my application status, got approved for 5,000. They pull TU for me. My FICO score is around 680 and more than 10 inquiries in my CR.


Nice recon.

 

How long have you had credit cards?

 

There problem with me was my limited credit history, and the fact they already gave me the flexperks signature card.

 

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%
Established Contributor
Posts: 660
Registered: ‎09-12-2011
0

Re: No US Bank Cash+ for me.

Dustink, I'm very sorry to hear of this news, but you still have a great credit card line-up and a lot to be proud of.  And in 6 months you will be holding the Cash+ card in your hands and it will be worth the wait.  And who knows, you might even get a starting limit higher than $5K.  Great things come to those who wait.

 

US Bank is advertising this card a lot, I just don't see it being gone in 6 months.  I know I will be in mourning if it does come to an end!!  I'm about to cash out my second $100 (+$25 bonus) next week after my statement cuts.

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
0

Re: No US Bank Cash+ for me.


CribDuchess wrote:

Dustink, I'm very sorry to hear of this news, but you still have a great credit card line-up and a lot to be proud of.  And in 6 months you will be holding the Cash+ card in your hands and it will be worth the wait.  And who knows, you might even get a starting limit higher than $5K.  Great things come to those who wait.

 

US Bank is advertising this card a lot, I just don't see it being gone in 6 months.  I know I will be in mourning if it does come to an end!!  I'm about to cash out my second $100 (+$25 bonus) next week after my statement cuts.


I think it would just end to new applicants. Rewards might be cut back over time to card holders.

 

Hopefully they keep it around, it offers some good rewards.

 

I have been getting a lot out of the Flexperks sig, I am over 70,000 points now which is a $1400 plane ticket. I would just like to add a cash back card as well.

 

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%
tbs
New Visitor
Posts: 2
Registered: ‎10-20-2012
0

Re: No US Bank Cash+ for me.

My oldest card is almost 4 years. AAOA is 1.6 years. One week before I got this card I was approved for BCE.

Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
0

Re: No US Bank Cash+ for me.

[ Edited ]

tbs wrote:

My oldest card is almost 4 years. AAOA is 1.6 years. One week before I got this card I was approved for BCE.


Yeah, your credit is much better than mine.

 

My oldest account is just over a year, and my AAoA is measured in months. I apped for a few accounts prior to them pulling my credit report.

 

Congrats on your approval though! I will be there some day.

 

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
Posts: 2,110
Registered: ‎12-29-2011
0

Re: No US Bank Cash+ for me.


Dustink wrote:

tbs wrote:

My oldest card is almost 4 years. AAOA is 1.6 years. One week before I got this card I was approved for BCE.


Yeah, your credit is much better than mine.

 

My oldest account is just over a year, and my AAoA is measured in months. I apped for a few accounts prior to them pulling my credit report.

 

Congrats on your approval though! I will be there some day.

 


APPing comes back to haunt us.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 3,097
Registered: ‎10-02-2012
0

Re: No US Bank Cash+ for me.


maiden_girl wrote:

Dustink wrote:

tbs wrote:

My oldest card is almost 4 years. AAOA is 1.6 years. One week before I got this card I was approved for BCE.


Yeah, your credit is much better than mine.

 

My oldest account is just over a year, and my AAoA is measured in months. I apped for a few accounts prior to them pulling my credit report.

 

Congrats on your approval though! I will be there some day.

 


APPing comes back to haunt us.


The wait for the next spree is just always so long.

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%
Established Contributor
Posts: 789
Registered: ‎08-30-2011
0

Re: No US Bank Cash+ for me.

I am sure they will give it to you eventually and you won't have to take a HP or hit to your AAoA with a PC.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: No US Bank Cash+ for me.

Sorry that you weren't able to get the Cash+ right away, but you still had a very successful app spree and came away with some nice cards to garden. Take good care of them and let them gain some age and history, and you should be in good shape to PC over to the card you really want. Remember, building credit is a process and it takes time. You're on the right track, so just keep up the good work. :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.