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Valued Contributor
AndySoCal
Posts: 1,895
Registered: ‎04-07-2009

Re: US Bank Cash + Visa Signature

I I like the card as well. I have two of them.  (Long Story)  I would not ask them for CLI in six months. Every year around the time you opene the account they have reviewed my account.  So far a CLI larger than than the soft pull limit and this year a PC change that I could nt get earlier in the year.  I have been with US bank for 2+ (my bank as acquired by US Bank)  and I would not go anywhere else.

Equifax My FICO score 815 5/28/2012. Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012

Re: US Bank Cash + Visa Signature


AndySoCal wrote:

I I like the card as well. I have two of them.  (Long Story)  I would not ask them for CLI in six months. Every year around the time you opene the account they have reviewed my account.  So far a CLI larger than than the soft pull limit and this year a PC change that I could nt get earlier in the year.  I have been with US bank for 2+ (my bank as acquired by US Bank)  and I would not go anywhere else.


Yeah I have been with US Bank for 12 years now.  I wouldn't go anywhere else either. Love the Cash + Card Just got my first $100.00 payout and I have a $25 gift card on its way!

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
Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: US Bank Cash + Visa Signature


AndySoCal wrote:

I I like the card as well. I have two of them.  (Long Story)  I would not ask them for CLI in six months. Every year around the time you opene the account they have reviewed my account.  So far a CLI larger than than the soft pull limit and this year a PC change that I could nt get earlier in the year.  I have been with US bank for 2+ (my bank as acquired by US Bank)  and I would not go anywhere else.


My credit is so new that they won't do anything unless I ask and let them hard pull me. So I have to ask for CLI's every six months and not expect automated ones.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Blogger
HiLine
Posts: 2,836
Registered: ‎10-19-2012

Re: US Bank Cash + Visa Signature


Dustink wrote:

RonDawg wrote:

Dustink wrote:

RonDawg wrote:

Dustink wrote:

I want this card! I was so close to getting it.


Thats right, you got the Flex Perks Cash right?


I had college visa ($500), select rewards ($1000), flexperks sig ($5000....then apped for cash+, I said I would close college visa and select rewards with approval....They gave me cash rewards ($2500) and no change on other accounts....I line swapped all to college visa which is my oldest account...
I now have college visa ($4,000) flexperks sig ($5,000) and they won't make any changes for 6 months.


Wait I forget, did you ask them to recon?  worst comes to worst you can always ask them to upgrade you after 6 months.   Make sure you use that Flex perks cash card making some kind of purchases on it every month so the account shows activity.  The Flex cash card is nothing fancy but its not a bad card either.  I had it before they upgraded me to the Cash + card but I had that card for years as well and the cash + only came out this past June.


I tried recon. I pretty much was reconning before they even told me I was declined..haha...I had underwritings phone number saved in my phone even before I joined this forum.

 

I closed the cash card before I recieved it. That card is no use for me. I have other better cards.

 

I got this card right before cash+ came out:

https://www.usbank.com/credit-cards/flexperks-travel.html

It was my daily driver for 4 months and I ended up with 75k flexpoints.

 


That level of spending is crazy! Can't believe you were still in college last year :smileyvery-happy:

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: US Bank Cash + Visa Signature


 


That level of spending is crazy! Can't believe you were still in college last year :smileyvery-happy:


 

Lots of bonus points and stuff. Didn't spend $75,000 in 4 months...haha

 

I live in a large household, and I put a lot of the household spending on it. I get paid back for that stuff.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: US Bank Cash + Visa Signature

How is this card for bill pay? Chase Freedom doesn't offer many bill pay options.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012

Re: US Bank Cash + Visa Signature

[ Edited ]

maiden_girl wrote:

How is this card for bill pay? Chase Freedom doesn't offer many bill pay options.


This is one of the best cards out there for bill pay.  5% back on almost all your bills every quarter just keep selecting Bill pay. In 2 months I have already been paid out $100.00 and have a $25.00 gift card in the mail mostly because of bill pay.    US Bank gives you a Free $25.00 gift card for every $100.00 in cash back you pay out.

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
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009

Re: US Bank Cash + Visa Signature

 I really like this card also. But i will say one draw back that i have seen.   When you are cashing out your cash back at the 100 level and get the $25.00 visa card in the mail. The next statement they actually deduct the 25.00 from your total and i was told the very next statement they will credit it back. Still waiting on my next statement to see it credit back.  I thought it was kind of weird to do it that way. 


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: US Bank Cash + Visa Signature


Dustink wrote:

 


That level of spending is crazy! Can't believe you were still in college last year :smileyvery-happy:


 

Lots of bonus points and stuff. Didn't spend $75,000 in 4 months...haha

 

I live in a large household, and I put a lot of the household spending on it. I get paid back for that stuff.


lol my parents own two businesses and I put EVERY bill on that card.   Electricity x 3 water x3 trash x3 lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012

Re: US Bank Cash + Visa Signature


Woolfman wrote:

 I really like this card also. But i will say one draw back that i have seen.   When you are cashing out your cash back at the 100 level and get the $25.00 visa card in the mail. The next statement they actually deduct the 25.00 from your total and i was told the very next statement they will credit it back. Still waiting on my next statement to see it credit back.  I thought it was kind of weird to do it that way. 


From what I can see it looks like they first add the $25.00 into your cash back bonus and then when they pay it out they subtract it.

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

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