Epic Contributor
Posts: 22,132
Registered: ‎10-23-2007

Re: U.S. Bank says I have 'excellent credit'...

I don't know anything about these caps so I wouldn't know but I always want rewards over no rewards!
Fico Scores: EQ- 656 Cap1., TU 696 Walmart, EX 700 Chase (12-17-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Established Contributor
Posts: 640
Registered: ‎03-28-2008

Re: U.S. Bank says I have 'excellent credit'...

... and while on the subject of the cash rewards card (Cash Rewards Platinum Visa, I think it's called? I have the thing in my wallet and still have no idea what its actual name is!), I just found out from an insert in my statement that you can get your 1% cashback level increased to 1.25% or 1.5% if you have a US Bank Gold or Platinum Five Star Checking package. We already have checking accounts with them so I called to see if they could switch me - the guy had to open me a savings account that I'll never use (he absolutely assured me there'd be no inq 'no hard pull, no soft pull... well, no pull at all, in fact!' for any of this) in order to check all the right boxes to avoid having to pay a monthly service charge for the account and qualify for the extra cashback, but it's all sorted now! I'm only going to be getting 1.25% cashback with the 'package' I went for, but that works for me - better than 1%!


Thought I'd give the heads-up to anyone who has that card or is thinking of getting it - here's a link to the info about the Five Star Packages - you get 1.25% cashback on the Cash Rewards Visa with the Gold package, and 1.5% with the Platinum. And if you're in any doubt, as I was, about how to swing it without having to pay any pesky fees, give 'em a call - they're very helpful indeed! :smileyhappy:

EQ: 723 / TU: 760 (August 2009)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+