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Frequent Contributor
FutureBillionaire
Posts: 427
Registered: ‎12-12-2012

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 cash 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: US Bank Cash +, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
New Contributor
ottergo4
Posts: 68
Registered: ‎10-28-2008

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!

Frequent Contributor
FutureBillionaire
Posts: 427
Registered: ‎12-12-2012

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 cash 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: US Bank Cash +, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Valued Contributor
Dustink
Posts: 2,384
Registered: ‎10-02-2012

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:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Contributor
RonDawg
Posts: 305
Registered: ‎10-19-2012

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:

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861
Established Contributor
tennisfan78
Posts: 580
Registered: ‎09-18-2011

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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Regular Contributor
napplegate
Posts: 122
Registered: ‎07-30-2012

Re: PC with US Bank

[ Edited ]

I have had the US Bank College Card (Young Adult Card) for roughly 10 years now and at it's highest it had a $1,000 limit but after a chargeoff 4 years ago was dropped to $500.  My question is, would it be possible to ask for a CLI to $2,000 with my current scores and other cards with $5k limits?  In the past they've told me that I have to submit all requests in writing as well as my mother who was a cosigner on the card originally.


Starting Score: TU - 683 EQ- 692
Current Score: TU - 720 EQ - 713 EX - 679 (AMEX 1/11/13)
Goal Score: 760+ across the board

My Wallet: Chase CSP (10K) | Chase Freedom (1.5K) | Mercedes AMEX (1K) | AMEX PRG (NPSL) | AMEX Blue (6k) | US Bank YA (0.5K) |
Frequent Contributor
FutureBillionaire
Posts: 427
Registered: ‎12-12-2012

Re: PC with US Bank

I will probably call again and try to reach a supervisor.  Is there a card worth fighting for besides the flex perks cash rewards?

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 cash 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: US Bank Cash +, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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