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Established Contributor
Posts: 652
Registered: ‎12-12-2012
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PC with US Bank

Has anyone successfully done a PC with US Bank?  Any tips?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Contributor
Posts: 88
Registered: ‎10-28-2008
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Re: PC with US Bank

   About a month ago I called to get my annual fee waived on the vanilla platinum card and the csr asked me if I wanted to go to the no fee cash+. Didn't have to think too long about that one!

Established Contributor
Posts: 652
Registered: ‎12-12-2012
0

Re: PC with US Bank

They wouldn't let me convert my Kroger rewards card.  I will use it as a balance transfer card.  Not a problem.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: PC with US Bank

They have offered pc's to me and also line swaps.They are flexible and easy to deal with in that regard.
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%
Contributor
Posts: 322
Registered: ‎10-19-2012
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Re: PC with US Bank


FutureBillionaire wrote:

Has anyone successfully done a PC with US Bank?  Any tips?


Its how I got my cash + card.  Good old PC from a cash rewards to cash + kept my interest rate too a nice 7.99% US Bank don't issue them that low anymore :smileywink:

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Established Contributor
Posts: 638
Registered: ‎09-18-2011
0

Re: PC with US Bank

I woud recommend to call them and talk them about it, usually the ones that you talk to you first time are not the most experienced. I would request to talk to their supervisor. Supervisors have more flexibility and options on what they can do to your account.

I did call for a credit line increase and PC to Cashplus, and both were granted after talking to the supervisor. Good luck and let us know how it goes.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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