@-Wade- wrote:
@Longroad wrote:I would love the cash + especially if they pull TU. Wondering if the are adverse to inq and/or new accounts. TU has 10 inq but nothing since Dec. 13. 5 new accounts in Nov-Dec 13 and one in Feb 14. 2 baddies from June '10. TU is 681 right now with approx 35% util and will be <5% around 5/15 when I would think about apping. Any thoughts?
That is one of there top tier cards. I would wait if i was you. just my 2 cents
I was thinking that as well. Thanks for confirming. Didn't want another inq for nothing. Thanks.
wait, you can apply for this via phone? i thought you had to go to a branch, and there are none within 1000 miles of me.
anyway, i definitely don't need this, especially as i'm supposed to be gardening as of like two days ago 
but picking two 5% categories is definitely appealing
@gh17 wrote:wait, you can apply for this via phone? i thought you had to go to a branch, and there are none within 1000 miles of me.
anyway, i definitely don't need this, especially as i'm supposed to be gardening as of like two days ago
but picking two 5% categories is definitely appealing
Yes you can apply over the phone 
call this # 1-800-444-1244. I did it on March 6th
@gh17 wrote:wait, you can apply for this via phone? i thought you had to go to a branch, and there are none within 1000 miles of me.
anyway, i definitely don't need this, especially as i'm supposed to be gardening as of like two days ago
but picking two 5% categories is definitely appealing
the 5% for restaurants sounds pretty appealing to me , I hope i can be able to hold off apping for this card for an while.
@mongstradamus wrote:
@gh17 wrote:wait, you can apply for this via phone? i thought you had to go to a branch, and there are none within 1000 miles of me.
anyway, i definitely don't need this, especially as i'm supposed to be gardening as of like two days ago
but picking two 5% categories is definitely appealing
the 5% for restaurants sounds pretty appealing to me , I hope i can be able to hold off apping for this card for an while.
They also have great CS
@-Wade- wrote:
@navigatethis12 wrote:
@youdontkillmoney wrote:US Bank is known for being conservative when it comes to lending
I've over 100,000 in credit cards with them; that's hardly conservative.
awesome...........I need your salary
It's not really that high. I just use their cards a lot for business, so I reckon they see the usage and consider me a good risk because of it.
@B335is wrote:
@navigatethis12 wrote:
@youdontkillmoney wrote:US Bank is known for being conservative when it comes to lending
I've over 100,000 in credit cards with them; that's hardly conservative.
I get what youdontkillmoney is saying though. Since they manually review every application after the computer says you're approved, they regularly revoke approvals (3 different cards in my case). Granted most analysts regardless of the Lender don't like to see a bunch of new applications, Chase and BoA analysts have been more accomodating in my experience than US Bank. US Bank reconsideration is also next to non-existent.
That's unfortunate. I've never been instantly approved for a US Bank card(except an Elan one), so maybe an analyst did see all of the applications, but I don't know. I've had no real luck with US Bank reconsideration either. They say they can send it for manual review, but they never let you talk to the analysts.
@-Wade- wrote:
@gh17 wrote:wait, you can apply for this via phone? i thought you had to go to a branch, and there are none within 1000 miles of me.
anyway, i definitely don't need this, especially as i'm supposed to be gardening as of like two days ago
but picking two 5% categories is definitely appealing
Yes you can apply over the phone
stop tempting me lol. not applying.
i already have 4-5% on restaurants from Citi depending how I redeem, plus the categories on Discover and Chase. if i had realized you could apply by phone, maybe i would have opted for the Cash+ card instead of one of the rotating cards, but oh well.
i think i'm content with the six, but i should probably stop reading this thread because it does seem like a really good card.
@-Wade- wrote:
@mongstradamus wrote:
@gh17 wrote:wait, you can apply for this via phone? i thought you had to go to a branch, and there are none within 1000 miles of me.
anyway, i definitely don't need this, especially as i'm supposed to be gardening as of like two days ago
but picking two 5% categories is definitely appealing
the 5% for restaurants sounds pretty appealing to me , I hope i can be able to hold off apping for this card for an while.
They also have great CS
I will keep them in mind , but i think its more important for me right now to get fidelity amex for 2% flat cash back and sallie mae for 5% gas :-) IT and freedom get 5% on restaurants sometimes so i can hold off hopefully :-)