topic Re: US Bank Flexperks AMEX in Credit Card Applications

US Bank Flexperks AMEX

Anonymous — Thu, 20 Nov 2014 21:22:45 GMT

I got a letter in the mail for a per-qual on the US Bank Flexperks AMEX. This is a newer product, but they have had the Visa for several years.

The offer:

$49 AF (Waived with banking relationship)

15.99% APR after 0% intro on purchases and transfers (3% fee)

10k points after $500 spent in 90 days

I took the offer but got the 7-10 day message. I called into underwriting and they told me I need to wait. While I was on the phone I asked them for a CLI on my existing flexperks card. It currently has a limit of $19k (signature outdated) and I asked them to make it $20k.

Re: US Bank Flexperks AMEX

Involver — Thu, 20 Nov 2014 21:24:17 GMT

Why would you only ask for $1000 for a CLI?

I have the FlexPerks Amex .. need to get around to the minimum spend now that I've gotten it out of the way on the CSP. Got a pretty decent limit and good APR on it.

Re: US Bank Flexperks AMEX

Anonymous — Thu, 20 Nov 2014 21:29:20 GMT

@Involver wrote:
Why would you only ask for $1000 for a CLI?

I have the FlexPerks Amex .. need to get around to the minimum spend now that I've gotten it out of the way on the CSP. Got a pretty decent limit and good APR on it.

I didn't want to ask for a whole lot since I was already asking for an approval on a new app. Also, my income doesn't support much more anyways. Plus, I asked them to use the HP from the app.

The card I want is the flexperks reserve card, but I don't have the assets

Re: US Bank Flexperks AMEX

CreditCuriosity — Thu, 20 Nov 2014 21:29:59 GMT

@Anonymous wrote:
I got a letter in the mail for a per-qual on the US Bank Flexperks AMEX. This is a newer product, but they have had the Visa for several years.

The offer:
$49 AF (Waived with banking relationship)
15.99% APR after 0% intro on purchases and transfers (3% fee)
10k points after $500 spent in 90 days

I took the offer but got the 7-10 day message. I called into underwriting and they told me I need to wait. While I was on the phone I asked them for a CLI on my existing flexperks card. It currently has a limit of $19k (signature outdated) and I asked them to make it $20k.

Damn very impressive credit profile for only 21 years old? holy moly

Re: US Bank Flexperks AMEX

Anonymous — Thu, 20 Nov 2014 21:33:18 GMT

@Anonymous wrote:

@Involver wrote:
Why would you only ask for $1000 for a CLI?

I have the FlexPerks Amex .. need to get around to the minimum spend now that I've gotten it out of the way on the CSP. Got a pretty decent limit and good APR on it.
I didn't want to ask for a whole lot since I was already asking for an approval on a new app. Also, my income doesn't support much more anyways. Plus, I asked them to use the HP from the app.

The card I want is the flexperks reserve card, but I don't have the assets

Awesome credit profile and cards! Congrats...

Re: US Bank Flexperks AMEX

chalupaman — Thu, 20 Nov 2014 22:05:32 GMT

I say go for it. You already have a really good credit profile anyway and even much better than what I have for my age.

Re: US Bank Flexperks AMEX

Anonymous — Thu, 20 Nov 2014 22:41:40 GMT

My signature is outdated. I am 23 now and my available credit is over $100k.

Re: US Bank Flexperks AMEX

Anonymous — Thu, 20 Nov 2014 22:44:56 GMT

@chalupaman wrote:
I say go for it. You already have a really good credit profile anyway and even much better than what I have for my age.

I did apply and will update when I get the results.

Re: US Bank Flexperks AMEX

Anonymous — Thu, 20 Nov 2014 22:46:47 GMT

@ArmyVietVet wrote:

Awesome credit profile and cards! Congrats...

Thanks, it has changed a bit since I made the signature. I no longer have the AMEX plat, instead I have the Ritz Carlton card with a $20k limit.

Re: US Bank Flexperks AMEX

Anonymous — Fri, 21 Nov 2014 03:46:00 GMT

Wow!