No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Did you save the statements and do they show paid current?
Did you receive a final statement showing PIF?
Are you talking with US Bank, the CRAs, or someone else?
I would dispute with the CRAs as inaccurate. When dealing with an OC, if they become obstinate, you need to dispute with the CRAs so as to "activate" the FCRA for purposes of a lawsuit on your behalf.