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Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012
0

US Bank Cash+ app

Hi guys, I started a thread a few days ago asking about which card to apply for, and got some good advice. I applied for the US Bank Cash+ card Sunday night and just called to check on the status...

 

Here's my info (from my old thread):

 

I PIF every month, no baddies.

 

Current cards:

Citi Forward - 5500 limit - opened 7/09

BofA - 1700 limit - opened 7/07 (first card I opened when I turned 18, it's in the sockdrawer now)

Macy's Store Card - 100 limit - opened 6/08 (haven't used since I opened it but it reports every month)

 

I also have one paid off student loan and one active one (~$5000), if that's relevant. 

 

FICO EQ: 759 (5/2/11)

 

FAKO: (all past few days)

CK: 755

CS: 773

Quizzle: 734

 

And the result ... 

 

Approved for Cash+ for 11k!!! :smileyvery-happy:

 

I'm really shocked! It's my highest limit by far. I was nervous that I would get the cash rewards instead of cash+ card. I won't fully believe it until I get it the mail. :smileyhappy: The guy said it's going out in the mail today. 

 

Oh, I just realized I forgot to ask about my score. Will I receive that in the mail too?

 

Thanks for all your help! :smileyhappy:

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Valued Contributor
kevinjjc
Posts: 1,317
Registered: ‎01-14-2009
0

Re: US Bank Cash+ app

Congrats!!! What APR did you get? I will apply for the Cash+ very soon.
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012
0

Re: US Bank Cash+ app

Wow!  Congrats!  That's a nice CL. 

Established Contributor
emptypockets
Posts: 977
Registered: ‎02-03-2009
0

Re: US Bank Cash+ app

[ Edited ]

Congrats!! You will get your score in the mail, in a separate letter. However, I think they are only required to send it out if you do not get approved for their best terms/interest rate.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (8/7/2014): 816; EX (6/14): 775
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011
0

Re: US Bank Cash+ app

Wow, congrats!!!


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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Valued Member
flyingpenguin
Posts: 58
Registered: ‎11-25-2012
0

Re: US Bank Cash+ app

[ Edited ]

Thank you! I didn't ask about APR. I'll post an update when I get the card. :smileyhappy:

 

ETA: Does anyone know this? For the hotel and flight categories, the website says that they're only counted if you book with that hotel/airline directly. But what if you book through a third party agency but the charge on the card is the hotel/airline itself (e.g. United or whatever). Would that be included in the rewards? Or does it depend?

 

So excited to get my card!

Amex BCP ($12,100) - US Bank Cash+ ($11,000) - BofA Travel Rewards ($10,000) - Citi Forward ($5,500)

Last HP: 6/11/13 (for BofA CLI)
Community Leader
Valued Contributor
improvingmycredit
Posts: 1,384
Registered: ‎07-12-2011
0

Re: US Bank Cash+ app

SWEET!!!!!  YAY!  Congrats!.    I'm excited for you!  I'm thinking on this card myself!  Super Job!


Starting Score: 642
Current Score: EQ 798, EX 780, TU 787 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, QuickSilver 20K, TotalRewards 18K

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Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: US Bank Cash+ app

That's a nice CL, Congrats! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: US Bank Cash+ app

Congrats awesome news way to go! Happy Holidays!

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: US Bank Cash+ app


flyingpenguin wrote:

Thank you! I didn't ask about APR. I'll post an update when I get the card. :smileyhappy:

 

ETA: Does anyone know this? For the hotel and flight categories, the website says that they're only counted if you book with that hotel/airline directly. But what if you book through a third party agency but the charge on the card is the hotel/airline itself (e.g. United or whatever). Would that be included in the rewards? Or does it depend?

 

So excited to get my card!


I would guess it depends only on the MCC returned with the transaction (so 4511 for airlines, and looks like each major hotel chain has its own)

So if somehow that gets passed from the agency, you would be OK, but if it says say 4722 (Travel Agencies) you don't get the 5%.  Unfortunately, I would guess you get the agency code, unless somehow they get the airline to bill you and then the airlines pay the agency a commission.

 

Normally the advice for this sort of thing ("Does store X count as a Y?") is "Make a small purchase and see", because often the staff won't be able to tell you.  For airline tickets, not so easy to do a small trial purchase! 


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