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US Bank Cash+

tag
NRB525
Super Contributor

Re: US Bank Cash+

Congratulations on the Cash Rewards card. US Bank does indeed like to see direct history, so you could use this card and then app o PC to the Cash+ in 6 months or so.

 

Or just follow up the prequalified offer Smiley Happy

 

My prediction: By January 2016 you will have a Cash+ in your wallet. Good luck!

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 21 of 26
ksantangelo23
Frequent Contributor

Re: US Bank Cash+

Decided to accept it. Approved. Atleast I got a $125 bonus with the 1% card, perhaps I can PC it to a second Cash+ in the future, or another product.

 

Called underwriting and was told I should call CS on Monday during normal hours to verify if I have a spending bonus for this new account or not.

 

AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 22 of 26
B335is
Moderator Emeritus

Re: US Bank Cash+


@ksantangelo23 wrote:

Decided to accept it. Approved. Atleast I got a $125 bonus with the 1% card, perhaps I can PC it to a second Cash+ in the future, or another product.

 

Called underwriting and was told I should call CS on Monday during normal hours to verify if I have a spending bonus for this new account or not.

 


Interesting, those were my exact thoughts as you were typing that!  Congrats on the approval on Cash+  Sorry it was such a circus of a process.

Message 23 of 26
Anonymous
Not applicable

Re: US Bank Cash+

The same thing happened to me.  I applied for the cash + (with a solid co signer) and after manual review it was approved for a 1000 limit with 1% cash rewards.  I was disappointed but with my credit scores Im not complaining.

Message 24 of 26
Themanwhocan
Senior Contributor

Re: US Bank Cash+


@ksantangelo23 wrote:

@Anonymous wrote:

Honestly, Chase is so much easier to work with.  I have a CSP and a USBank card and while I was thrilled to get the US Bank card because I know they are so picky, their customer service is terrible.  They sent my first card to an address on my file from 20 years ago.  Chase expedited shipping, has a smooth and easy to navigate on-line system and the points are easy to transfer and use.  Plus, I just used the CSP all over Europe and not a single issue -- US Bank had a fraud alert although I had notified them in advance.   Thankfully your high SL is on the CSP -- you won't miss the US Bank card.  


Unless there is another CC that gives back 5% on cell service, I will miss the card Smiley Sad I'd be maxing out their $2,000 quarterly cap with the help of family. 

 

Gym memberships too.

 

Though I'm already not pleased with their service overall. The first rep I had was helpful, and kind. But I called in again a few hours later and was immediately pointed out that I had called in before, and was asked why I was calling again. I said "I wanted to ask a question that I forgot to ask before" and the rep said "Ok", I asked "What requirements did I not meet that caused me to receive the Cash Rewards, and not the Cash Plus?" and she replied with a flabbergasted tone: "I.. I do not know the requirements", followed by silence. I quickly hung up after saying thank you.


5% cash back on Cell service... Well, here are some possibilities that might work:

 

Chase Ink Bold

Chase Ink Plus

Chase Ink Classic

Chase Ink Cash

American Express Simply Cash

Citi AT&T Universal Savings and Rewards

Capital One BuyPower





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 25 of 26
NRB525
Super Contributor

Re: US Bank Cash+


@Themanwhocan wrote:

@ksantangelo23 wrote:

@Anonymous wrote:

Honestly, Chase is so much easier to work with.  I have a CSP and a USBank card and while I was thrilled to get the US Bank card because I know they are so picky, their customer service is terrible.  They sent my first card to an address on my file from 20 years ago.  Chase expedited shipping, has a smooth and easy to navigate on-line system and the points are easy to transfer and use.  Plus, I just used the CSP all over Europe and not a single issue -- US Bank had a fraud alert although I had notified them in advance.   Thankfully your high SL is on the CSP -- you won't miss the US Bank card.  


Unless there is another CC that gives back 5% on cell service, I will miss the card Smiley Sad I'd be maxing out their $2,000 quarterly cap with the help of family. 

 

Gym memberships too.

 

Though I'm already not pleased with their service overall. The first rep I had was helpful, and kind. But I called in again a few hours later and was immediately pointed out that I had called in before, and was asked why I was calling again. I said "I wanted to ask a question that I forgot to ask before" and the rep said "Ok", I asked "What requirements did I not meet that caused me to receive the Cash Rewards, and not the Cash Plus?" and she replied with a flabbergasted tone: "I.. I do not know the requirements", followed by silence. I quickly hung up after saying thank you.


5% cash back on Cell service... Well, here are some possibilities that might work:

 

Chase Ink Bold

Chase Ink Plus

Chase Ink Classic

Chase Ink Cash

American Express Simply Cash

Citi AT&T Universal Savings and Rewards

Capital One BuyPower - only if you want a GM vehicle


My Cash+ gets 5% from my AT&T cell bill, and also from my Frontier landline billing.

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 26 of 26
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