Credit Card Center Advertiser Disclosure†
10-08-2016 11:21 AM
10-08-2016 01:27 PM
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.
10-08-2016 01:42 PM
10-08-2016 09:34 PM
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 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
10-09-2016 12:05 AM
10-09-2016 12:07 AM
10-09-2016 05:15 AM
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+.
10-09-2016 07:49 AM
10-09-2016 07:52 AM
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.
* 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.
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.