topic Re: USBANK PLUS in Credit Cards

USBANK PLUS

Anonymous — Tue, 31 Mar 2015 23:15:12 GMT

Does anyone know if you have to have an account with US bank to apply for their credit cards ? I'm looking into the U.S. bank cash plus Visa card. Anyone have then card ? Thanks !

Re: USBANK PLUS

longtime_lurker — Tue, 31 Mar 2015 23:24:59 GMT

@Anonymous wrote:
Does anyone know if you have to have an account with US bank to apply for their credit cards ? I'm looking into the U.S. bank cash plus Visa card. Anyone have then card ? Thanks !

No, but don't expect an instant approval.

Re: USBANK PLUS

Anonymous — Wed, 26 Aug 2015 02:32:00 GMT

Maybe i got in on a back door with an REI VIsa sig card, and the transistion from ViSA to MC. I responded to a mail offer in 2012, got instant approval online, but didn't get the CL until the card arrived. 6K straight out of grad school (with bad CC debt and student loans) and only 1 month on a job. In the last two years, I've got a Kroger Rewards, with a 6.5K limit, a second REI MC with a 6K limit for a bal xfer, and today received a 4k bump on my first REI MC to 10K. In my experience, though i've had trouble with util in the past, I've never missed a payment and have kept my oldest cards open almost 15 years, US BANK values making your payments more than any other issuer, imo. I have no accounts other than the three CC, with a combined limit of 22.5K.

Re: USBANK PLUS

noobody — Wed, 26 Aug 2015 03:08:45 GMT

if your file support it, just apply away, banking relationship or not.
do not expect instant approval, they seldom do, and they COULD give you a crappy 1% cash reward card.

Re: USBANK PLUS

Anonymous — Wed, 26 Aug 2015 04:30:30 GMT

I was reaching the card earlier and I didn't see any information stated that you need to have an account with them before applying for a credit card. You can always call their CS and ask. Best of luck!!!

Re: USBANK PLUS

Anonymous — Wed, 26 Aug 2015 08:03:27 GMT

A banking relationship is not necessary, but it did help me secure my approval a long time ago. The reason that U.S. Bank took the online apply option away some time ago was to have folks come in to apply and open a checking/saving account along with it; since U.S. Bank offers free checking if you have a LOC with them.

I believe that they have opened up online application since them. Like others have said, majority of the time there is no instant approval and it goes in for manual review.

Best of luck to you if you choose to apply!

Re: USBANK PLUS

coldnmn — Wed, 26 Aug 2015 11:25:59 GMT

@Anonymous wrote:
Does anyone know if you have to have an account with US bank to apply for their credit cards ? I'm looking into the U.S. bank cash plus Visa card. Anyone have then card ? Thanks !

I had no prior accounts with US Bank. I still only have their credit cards. They manually review 90% of applications.

Good Luck if you apply!

Re: USBANK PLUS

vwgrrc — Wed, 26 Aug 2015 15:32:36 GMT

BTW, applied for Cash+ but was offered the Cash Rewards instead. When can I applied for the + again?

Re: USBANK PLUS

Anonymous — Wed, 26 Aug 2015 16:57:19 GMT

@coldnmn wrote:
@Anonymous wrote:
Does anyone know if you have to have an account with US bank to apply for their credit cards ? I'm looking into the U.S. bank cash plus Visa card. Anyone have then card ? Thanks !
I had no prior accounts with US Bank. I still only have their credit cards. They manually review 90% of applications.
Good Luck if you apply!

Right, no need for banking relationship. We have two (my wife's got instant approval from what I remember, I found out that I got mine when it arrived in the mail after about 2 weeks)

Re: USBANK PLUS

Anonymous — Wed, 26 Aug 2015 16:58:17 GMT

If you go in to open an account you could get pre qualified and it will show you all the cards and limits you are pre qalified for. Then you could choose the card you like the most. Im a fan of the perks+ myself.

Re: USBANK PLUS

ojefferyo — Wed, 26 Aug 2015 17:12:08 GMT

@Anonymous wrote:
Does anyone know if you have to have an account with US bank to apply for their credit cards ? I'm looking into the U.S. bank cash plus Visa card. Anyone have then card ? Thanks !

No need for banking relationship but I hear it helps with US Bank. They sent me a pre-qual in the mail for the Cash+ and I took it. Still went into manual review but got approved in the end. If you do apply 99% chance it will be manually reviewed. Good luck!!