Credit Card Center Advertiser Disclosure

Reply
Established Contributor
Posts: 748
Registered: ‎06-27-2016
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!

Hey, Ken522 my secured CC,jus turned to platinum😃! So happy!!!

But my question is,was it a HP to PC cash+

wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Regular Contributor
Posts: 228
Registered: ‎03-03-2008
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!


Ken522 wrote:
Kidifico- I opened the card roughly 18-20 months ago and my overall utilization is 0%.. My fico is roughly 700 and I have barely used the card with the exception of one large purchase I paid off shortly after. Keep in mind you need a minimum of a 5k limit to be eligible for the cash+

This is weird but I applied for the Cash+. They denied me. I called rocn and they told me go away. Then I starting getting emails from them like I was customer. Then a Cash+ Rewards Signature showed up but the limit was $1,500. It's been a weird experience but it's a no fee card and I will keep it.

 

Established Contributor
Posts: 748
Registered: ‎06-27-2016
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!

RaiseMyScoreASAP,noiiice😃

That's strange...but in a gd way😁
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Super Contributor
Posts: 6,807
Registered: ‎10-30-2014

Re: US Bank Product change from Platinum to Cash+!!!


MILOfico wrote:
Hey, Ken522 my secured CC,jus turned to platinum😃! So happy!!!

But my question is,was it a HP to PC cash+


Congrats on the conversion of the card to a regular platinum. US Bank is a good one to have.

 

However Ken522 (and the other thread you are asking) are long gone Smiley Happy With a question such as yours, it's likely best just to start your own thread and get to the question so people read the headline.

 

I PC'd a US Bank Cash Rewards card last year to Cash+, and there was no HP involved. Once you have the history, and they have the Change offer up for you, it's a simple matter to make the switch. You might need a $5k CL, but that may be relaxed recently for Cash+. Call them to find out Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727 FICO Simulator 2014: $20k balances = 812 FICO.
March 2017 $20k on $300k 6% util EQ 824 TU 824 EX 815

7 / 24 counting down to 1 Nov 2017
Established Contributor
Posts: 748
Registered: ‎06-27-2016
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!

NRB525, THKS myfico member rserla lead me down the rite path looks like I will be getting a cash+ as well ...I put the question everywhere cause searching on US bank here on the boards leads to deadends some times...did you have a SECURED US bank card at one point???
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Established Contributor
Posts: 748
Registered: ‎06-27-2016
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!

NRB525,your advice is similar...would have worked also with your take on it...
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Super Contributor
Posts: 6,807
Registered: ‎10-30-2014

Re: US Bank Product change from Platinum to Cash+!!!


MILOfico wrote:
NRB525, THKS myfico member rserla lead me down the rite path looks like I will be getting a cash+ as well ...I put the question everywhere cause searching on US bank here on the boards leads to deadends some times...did you have a SECURED US bank card at one point???

Well, searching for US Bank leads to dead ends because it's not a bank that is common.

 

No, my card was not secured, but that should not make a difference. You may not be able to PC it from a cash rewards today, but after a few months with an unsecured version, they may offer you the Cash+ as a PC. US Bank is all about building a banking relationship, so with patience and time, good things will happen. With each of the three US Bank cards that I have, after 9 or 10 months, they each got a 40% CLI, and these 40% CLI were on $8k to $10k starting limits.

 

While others may suggest it's a bad idea to use the Cash Rewards 1% card because it's not absolutely the best return, my suggestion is that using the Cash Rewards 1% card is an investment in building your relationship with US Bank so you get to the Cash+.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727 FICO Simulator 2014: $20k balances = 812 FICO.
March 2017 $20k on $300k 6% util EQ 824 TU 824 EX 815

7 / 24 counting down to 1 Nov 2017
Established Contributor
Posts: 748
Registered: ‎06-27-2016
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!

NRB525,

Oh no...my SECURED CC is now unsecured😃 I got to anxious though cause it's $5k CL so I really didn't think they unsecure,rserla gave me steps to PC yesterday...to cash+

THKS for the CLI information...I have not seen that any where on the board's I had plans using it but not that much ...now after reading your post it will get heavy use...rite now my AX every day is my daily driver...alsoNRB525

Can you please give me your take on cash rewards VS points cards and which you enjoy better...I keep reading that cash rewards are better and to
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Highlighted
Established Contributor
Posts: 748
Registered: ‎06-27-2016
0 Kudos

Re: US Bank Product change from Platinum to Cash+!!!

LOL😶 post got cut off...I was gonna say;and to jus stick with cash rewards cards
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.