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Valued Contributor

Re: us bank

 

SIlver:

Message 11 of 23
Valued Contributor

Re: us bank

Thanks mslady

SIlver:

Message 12 of 23
Frequent Contributor

Re: us bank


Stonemanmv wrote:
Just got it in April. I just talked with credit rep and she said that there were no offers right now. She said to call back in about 3 weeks to check. Oh we'll at least I got my CLI

It took over 3 months of having my CL at 5000 before I got an offer in the mail for a new Cash+. 

 

As posted in another thread, I was able to redeem that offer over the phone to PC my Platinum into a Cash+.

 

http://ficoforums.myfico.com/t5/Credit-Cards/US-Bank-Cash-PC/m-p/2299307#M646693

 

Just be patient and call up Cardmember Services every few weeks to see if you have any offers to redeem.

FICO June '15: EX 800, EQ 822, TU 823

Message 13 of 23
Moderator Emerita

Re: us bank

Message 14 of 23
Valued Contributor

Re: us bank

Brax thanks for the info. How so you like your cash+

SIlver:

Message 15 of 23
Valued Contributor

Re: us bank

Thanks Lexie

SIlver:

Message 16 of 23
Senior Contributor

Re: us bank


Brax wrote:

Stonemanmv wrote:
Just got it in April. I just talked with credit rep and she said that there were no offers right now. She said to call back in about 3 weeks to check. Oh we'll at least I got my CLI

It took over 3 months of having my CL at 5000 before I got an offer in the mail for a new Cash+. 

 

As posted in another thread, I was able to redeem that offer over the phone to PC my Platinum into a Cash+.

 

http://ficoforums.myfico.com/t5/Credit-Cards/US-Bank-Cash-PC/m-p/2299307#M646693

 

Just be patient and call up Cardmember Services every few weeks to see if you have any offers to redeem.


I had my platinum for 6 months before I decided to call (last night, actually) and they were able to PC my card to a cash+

 

My platinum started with 8.5K, my highest credit limit, so that wasn't a problem. Too bad they didn't suggest this in the bank back in April...

 

Also, they reduced my APR from 15.99% down to 14.25% without my asking.





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 17 of 23
Valued Contributor

Re: us bank

That's nice. I guess I'll just keep checking.

SIlver:

Message 18 of 23
Senior Contributor

Re: us bank

FinStar... What was your FICO when you got your US Bank card?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 19 of 23
Senior Contributor

Re: us bank

Well, I don't know about FinStar. But I can certainly tell you my Fico scores when I obtained each of my US Bank cards this year.

 

January I applied for my first unsecured card, after having a $1000 secured US Bank card for 1 year. Applied for US Bank Platinum card. $8,500 CL. FICO 732

 

April Applied for my 4th unsecured card, a US Bank Cash+, received Cash Rewards instead. $6,500 CL. FICO 709





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 20 of 23