topic Re: Welcome to US Bank (Cash Plus) in Credit Card Approvals

Welcome to US Bank (Cash Plus)

expatCanuck — Wed, 06 Nov 2019 00:06:27 GMT

Well, I think I was just approved for a Cash Plus.

Final approval / card to arrive in 7-10 days (there was legalese allowing them further review), but the web site did provide a CL (8.5K) and an APR (their lowest). Figured I'd slip in before last week's Savor One reports. (I note parenthetically that USBank was 70% more generous than Cap1.)

I live in VA; they pulled EQ.

0/6 | 1/12 | 9/24 // FICO 8's currently 827-833 (I think EQ is 830). From memory, EQ had 9 or 10 INQs in the past two years -- 3 in the past 12 months, 1 in the past 6. Income plenty adequate.

If it holds, this puts me over the 250K mark.

I think I can stop now. Only Chase Freedom is left -- I'll be ~~4/24 by Feb '21~~ 3/24 by Nov '20.

(Edited to correct earlier bad math.

Bad math! Bad Math!)

Re: Welcome to US Bank (Cash Plus)

Remedios — Tue, 05 Nov 2019 16:55:06 GMT

Congrats, @expatCanuck !

Re: Welcome to US Bank (Cash Plus)

Drwaz99 — Tue, 05 Nov 2019 16:56:33 GMT

Niiice! Congrats!

Re: Welcome to US Bank (Cash Plus)

Rebuild2019 — Tue, 05 Nov 2019 16:56:47 GMT

Congrats 🎊🎈🎉 on your approval!

Re: Welcome to US Bank (Cash Plus)

calyx — Tue, 05 Nov 2019 16:58:20 GMT

Congrats, @expatCanuck !

Re: Welcome to US Bank (Cash Plus)

VanderSnoot — Tue, 05 Nov 2019 17:08:34 GMT

Congrats, Canuck. I like the changes to your signature. How will you while away the next 15 months?

Re: Welcome to US Bank (Cash Plus)

expatCanuck — Tue, 05 Nov 2019 17:09:31 GMT

Thanks, @calyx.

Enjoying the @'s, I see.

Re: Welcome to US Bank (Cash Plus)

expatCanuck — Tue, 05 Nov 2019 17:11:42 GMT

@Remedios wrote:
Congrats, @expatCanuck !

Thanks, Remmie ,(Remmy?)!

At some point, perhaps we can discuss the relative merits of the precious over the CSR?

Re: Welcome to US Bank (Cash Plus)

expatCanuck — Tue, 05 Nov 2019 17:15:59 GMT

@VanderSnoot wrote:
Congrats, Canuck. I like the changes to your signature. How will you while away the next 15 months?

Thanks. I expect to be performing at open mics, posting in the Garden thread, and updating my signature.

Re: Welcome to US Bank (Cash Plus)

simplynoir — Tue, 05 Nov 2019 17:21:55 GMT

Congrats there, @expatCanuck! 🍸

Re: Welcome to US Bank (Cash Plus)

K-in-Boston — Tue, 05 Nov 2019 17:33:41 GMT

Huge congrats and welcome to the USocks Bank family! I don't want to push you out of the garden again, but is Altitude Reserve (the nicest card you'll never carry) now on the to-do list?

Re: Welcome to US Bank (Cash Plus)

Anonymous — Tue, 05 Nov 2019 17:32:46 GMT

Congrats! I might be trying to become a bigger member of USB shortly. We will see how the next few business days go. And holy cow, what an overall CL you have!

Re: Welcome to US Bank (Cash Plus)

AllZero — Tue, 05 Nov 2019 17:50:56 GMT

Congratulations on your approval!

Re: Welcome to US Bank (Cash Plus)

Anonymous — Tue, 05 Nov 2019 18:52:59 GMT

Congrats on your new US Bank Cash+ card and breaking $250k!

Re: Welcome to US Bank (Cash Plus)

PutThatMoneyOnTheTable — Tue, 05 Nov 2019 19:06:49 GMT

tenor.gif

Re: Welcome to US Bank (Cash Plus)

expatCanuck — Tue, 05 Nov 2019 19:10:18 GMT

@K-in-Boston wrote:
Huge congrats and welcome to the USocks Bank family! I don't want to push you out of the garden again, but is Altitude Reserve (the nicest card you'll never carry) now on the to-do list?

Possibly. But if so, it'll have to replace the CSR -- I don't believe I can justify two sizable AF's.

Re: Welcome to US Bank (Cash Plus)

expatCanuck — Tue, 05 Nov 2019 19:11:33 GMT

@Anonymous wrote:
Congrats! I might be trying to become a bigger member of USB shortly. We will see how the next few business days go. And holy cow, what an overall CL you have!

I'm just trying to compensate.

Re: Welcome to US Bank (Cash Plus)

K-in-Boston — Tue, 05 Nov 2019 19:35:43 GMT

@expatCanuck wrote:
@K-in-Boston wrote:
Huge congrats and welcome to the USocks Bank family! I don't want to push you out of the garden again, but is Altitude Reserve (the nicest card you'll never carry) now on the to-do list?
Possibly. But if so, it'll have to replace the CSR -- I don't believe I can justify two sizable AF's.

Depending on whether you normally buy gogoinflight passes when you fly, it can actually easily be a net negative AF after the travel credits. Would be worth considering where you could be using Applesungle Pay today that you aren't to see if the extra bit of earnings easily offset the $75, too (would require $277.75 per month to make the extra $75 net AF earn more than CFU points moved to CSR and redeemed in travel portal). Unless mobile payment is involved, CSR is always going to beat AR by a long shot on dining.

Re: Welcome to US Bank (Cash Plus)

expatCanuck — Tue, 05 Nov 2019 20:37:08 GMT

Thanks, @K-in-Boston -- my sense is that I'll be standing pat with the CSR -- tho' the right SUB may warrant a shift after draining the Chase point bank.

Re: Welcome to US Bank (Cash Plus)

Anonymous — Tue, 05 Nov 2019 20:52:12 GMT

@K-in-Boston wrote:
@expatCanuck wrote:
@K-in-Boston wrote:
Huge congrats and welcome to the USocks Bank family! I don't want to push you out of the garden again, but is Altitude Reserve (the nicest card you'll never carry) now on the to-do list?
Possibly. But if so, it'll have to replace the CSR -- I don't believe I can justify two sizable AF's.
Depending on whether you normally buy gogoinflight passes when you fly, it can actually easily be a net negative AF after the travel credits. Would be worth considering where you could be using Applesungle Pay today that you aren't to see if the extra bit of earnings easily offset the $75, too (would require $277.75 per month to make the extra $75 net AF earn more than CFU points moved to CSR and redeemed in travel portal). Unless mobile payment is involved, CSR is always going to beat AR by a long shot on dining.

It could be a really dangerous combo. That's just a costco trip plus a few errands.