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Second Cash+ via PC from CashRewards

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NRB525
Super Contributor

Second Cash+ via PC from CashRewards

The Cash Rewards card was the first card US Bank gave me in 2009, literally after they cold called me. It's now at $14k running a BT, but I read on another thread that once you have one Cash+ you can have another. So I called today, and, yes, there is an upgrade option on my CashRewards, so yes, it is now converted into my second Cash+ card Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 1 of 18
17 REPLIES 17
CreditCuriosity
Moderator Emeritus

Re: Second Cash+ via PC from CashRewards


@NRB525 wrote:

The Cash Rewards card was the first card US Bank gave me in 2009, literally after they cold called me. It's now at $14k running a BT, but I read on another thread that once you have one Cash+ you can have another. So I called today, and, yes, there is an upgrade option on my CashRewards, so yes, it is now converted into my second Cash+ card Smiley Happy


Congrats.. When you do such thing do you call the analyst # in backdoor thread or # of back of card to find out "offers"?  Still peaved with my initial CL as you might of seen from one of my many posts and want to try to nudge them in the right direction and if this takes a call every month to do so, then so be it..  Just curious on the # you called?  Thanks!

Message 2 of 18
SisterGirl
Established Contributor

Re: Second Cash+ via PC from CashRewards


@NRB525 wrote:

The Cash Rewards card was the first card US Bank gave me in 2009, literally after they cold called me. It's now at $14k running a BT, but I read on another thread that once you have one Cash+ you can have another. So I called today, and, yes, there is an upgrade option on my CashRewards, so yes, it is now converted into my second Cash+ card Smiley Happy


Congrats !

 

I applied/approved for the standard Cash Rewards (at the time couldn't apply online, only via phone with no branches in Texas), but I'm working on changing that within the next 6 months now that I've closed the Kroger Visa card that got me in the door.

 

 

SisterGirl
Message 3 of 18
Saleen099
Senior Contributor

Re: Second Cash+ via PC from CashRewards

Nice Congrats!!!! 

Message 4 of 18
NRB525
Super Contributor

Re: Second Cash+ via PC from CashRewards


@CreditCuriousity wrote:

@NRB525 wrote:

The Cash Rewards card was the first card US Bank gave me in 2009, literally after they cold called me. It's now at $14k running a BT, but I read on another thread that once you have one Cash+ you can have another. So I called today, and, yes, there is an upgrade option on my CashRewards, so yes, it is now converted into my second Cash+ card Smiley Happy


Congrats.. When you do such thing do you call the analyst # in backdoor thread or # of back of card to find out "offers"?  Still peaved with my initial CL as you might of seen from one of my many posts and want to try to nudge them in the right direction and if this takes a call every month to do so, then so be it..  Just curious on the # you called?  Thanks!


I got a call a week ago from an "online customer relationship" group and she had asked if there were any other credit products I needed. After thinking about it, and the trigger comment elsewhere here, I called that number back today, but the message was a recorded indication that it was for specific use and another number was given. I stayed on the original line, and I got to a CSR, who said the idea of the PC sounded interesting, but then forwarded me to a credit card specific group, so this PC was not from that called-back number. It was there (in the Credit Card group) that she checked my account and said, yes the account is eligible for the Cash+ upgrade. I've had this Cash Rewards for 6 years now, and did get a postal mailer to upgrade to the Cash+ about the time I got the separate cold call in 2013 to get the Cash+, the second USBank card I got.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 18
blunderer
Established Contributor

Re: Second Cash+ via PC from CashRewards

Congrats! WTG!!!

Message 6 of 18
Themanwhocan
Senior Contributor

Re: Second Cash+ via PC from CashRewards

I've been able to get SP CLI's from US Bank by waiting at least 6 months between requests (per card) and requesting only a $1500 increase. In fact, I recently got $1500 increase on each of my Cash+ cards by filling this form out twice:

 

https://www2.usbank.com/cgi_w2/cfm/credit/usb_cards/manage/usb_card_chg_main.cfm?Page=Limit

 

My understanding is that requests for more than $1500 are always HP, but $1500 is usually a SP. I don't know if the recent PC would reset the 6 month clock.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 7 of 18
NRB525
Super Contributor

Re: Second Cash+ via PC from CashRewards

Good info. I'm happy with the $14k and $12,5k, but others can use that I'm sure. 

Thanks for sharing!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 8 of 18
alextercero
Super Contributor

Re: Second Cash+ via PC from CashRewards

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)


Credit Age:

Inquiries:

Message 9 of 18
Anonymous
Not applicable

Re: Second Cash+ via PC from CashRewards

Congrats ! Welcome to the 2X Cash + fam Smiley Happy

 

Now you can actually get more from their quarterly categories - definitely better than just having a Cash Rewards card Smiley Wink

Message 10 of 18
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