Credit Cards

[dialect]

just because it seems like no one knows.

the cash rewards card can not be "applied" for, it is strictly a downsell for the cash+

it seems like it's a mistake on underwriting (a term they keep using even though they are supposed to be rebranded as "application status"). i have to deal with us banks underwriting frequently, and let me say that i hate them. every last one of them. incompetent.

[Dustink]

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dialect wrote:

just because it seems like no one knows.

the cash rewards card can not be "applied" for, it is strictly a downsell for the cash+

it seems like it's a mistake on underwriting (a term they keep using even though they are supposed to be rebranded as "application status"). i have to deal with us banks underwriting frequently, and let me say that i hate them. every last one of them. incompetent.

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It cannot be applied for directly online by a consumer, who knows what the teller did. Maybe they had an old app screen or something come up that they fill out wrong.

[GoRavens]

I applied for a Cash+ card a month ago and was given a $1,500 limit, thus mailed a Cash Rewards card.  I activiated it and stashed it, thinking I would apply for a CLI in a few months to try to get Cash+.  And to my surprise, I just received a Cash+ card in the mail earlier this week.  Same CL.  I have already chosen my 5%/2% rewards and everything.  I'm now praying they don't notice their mistake and reissue me again...

[Dustink]

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GoRavens wrote:

I applied for a Cash+ card a month ago and was given a $1,500 limit, thus mailed a Cash Rewards card.  I activiated it and stashed it, thinking I would apply for a CLI in a few months to try to get Cash+.  And to my surprise, I just received a Cash+ card in the mail earlier this week.  Same CL.  I have already chosen my 5%/2% rewards and everything.  I'm now praying they don't notice their mistake and reissue me again...

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Haha, wow. That is cool.

[maiden_girl]

Seeing this thread is making me want to APP for this final card but I'm not ready for it yet and I know it will be denied!!!

STOP ME! LOL!

[Imhotrodcrazy]

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 

[GomerPyle]

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Imhotrodcrazy wrote:

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 

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Congratulations on gaining great rewards.  I too have been getting a great return in rewards. I am however convinced that this card is not sustainable for US Bank. I predict in the not too distant future the reward parameters will change. They are already practicing a bait and switch tactic by not issuing the Cash + to all who apply. I fully expect there will be a lowering of cash reward opportunity in the future. I will use it extensively until that sad day arrives.

[YahComb]

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GomerPyle wrote:

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Imhotrodcrazy wrote:

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 

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Congratulations on gaining great rewards.  I too have been getting a great return in rewards. I am however convinced that this card is not sustainable for US Bank. I predict in the not too distant future the reward parameters will change. They are already practicing a bait and switch tactic by not issuing the Cash + to all who apply. I fully expect there will be a lowering of cash reward opportunity in the future. I will use it extensively until that sad day arrives.

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They probably won't be able to sustain it, i mean look at all the former cards that were all-the time 5%, then the percentage got lowered, then they made it quarterly categories. But it's not really fair to call it a bait and switch. They tell you applying for the Cashplus is also an application for the lower tier 1% card, and it's not like they just instituted it somewhere along the way. It was that way from the very start.

[GomerPyle]

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YahComb wrote:

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GomerPyle wrote:

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Imhotrodcrazy wrote:

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 

---

Congratulations on gaining great rewards.  I too have been getting a great return in rewards. I am however convinced that this card is not sustainable for US Bank. I predict in the not too distant future the reward parameters will change. They are already practicing a bait and switch tactic by not issuing the Cash + to all who apply. I fully expect there will be a lowering of cash reward opportunity in the future. I will use it extensively until that sad day arrives.

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They probably won't be able to sustain it, i mean look at all the former cards that were all-the time 5%, then the percentage got lowered, then they made it quarterly categories. But it's not really fair to call it a bait and switch. They tell you applying for the Cashplus is also an application for the lower tier 1% card, and it's not like they just instituted it somewhere along the way. It was that way from the very start.

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OK. I will call it a heads up bait and switch. 

[Dustink]

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GomerPyle wrote:

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Imhotrodcrazy wrote:

Just received my first extra $25 rewards card on my Cash+ card, ( for letting rewards add up to $100 ), for the previous month of Sept.  In Oct., I have already spent $2000 on home improvements so that will get me another $100 in rewards.  In addition, I have a platinum account so that will get me another half percent and since I have gone over the $100 saved amount I will receive the additional $25 card.  So, my rewards will be $135, or  a 6 3/4% return. That is not bad.  I love the card, and US Bank. 

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Congratulations on gaining great rewards.  I too have been getting a great return in rewards. I am however convinced that this card is not sustainable for US Bank. I predict in the not too distant future the reward parameters will change. They are already practicing a bait and switch tactic by not issuing the Cash + to all who apply. I fully expect there will be a lowering of cash reward opportunity in the future. I will use it extensively until that sad day arrives.

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+1

I felt that as soon as I noticed the card. I am just hoping it will still be around in 6 months.