topic Re: US Bank Product change from Platinum to Cash+!!! in Credit Cards

US Bank Product change from Platinum to Cash+!!!

Ken522 — Wed, 11 May 2016 12:37:55 GMT

A few days ago I decided to try and get my platinum card upgraded to a rewards card since I never used it due to a lack of rewards. Upon calling US Bank and asking they almost immediately offered the cash+!!!!!! I have always wanted this card but never tried for it. I have seen reviews of US Bank not holding true to their product changes so I have been calling to verify and every time they greet me with "How can i assist you with your cash+ card?" They also set up my new reward categories. Overall I am very pleased with the situation as well as the fact that I have added another Visa Signature card to my wallet with no inquiry!

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Wed, 11 May 2016 13:39:54 GMT

Congrats! Hopefully i can follow in your footsteps later this year!

Re: US Bank Product change from Platinum to Cash+!!!

JustBPatient — Wed, 11 May 2016 15:44:05 GMT

Nice job!! Normally once your in with US, they are pretty easy to deal with.

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Thu, 12 May 2016 02:40:27 GMT

Congrats OP, may I ask how long have you been with US Bank and also your average ulilization monthly? I was approved for the cash rewards about a month ago and find no use for it since I have chase freedom and discover. I want to get my 1k limit cash rewards PC'ed ASAP.

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Thu, 12 May 2016 02:44:54 GMT

Congrats on your US Bank Plus card!!!

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Thu, 12 May 2016 07:13:08 GMT

Congratulations!!

Re: US Bank Product change from Platinum to Cash+!!!

creditguy — Thu, 12 May 2016 07:23:51 GMT

Nicely done, Congrats!!!

Re: US Bank Product change from Platinum to Cash+!!!

RonM21 — Thu, 12 May 2016 09:04:09 GMT

Congrats OP

Re: US Bank Product change from Platinum to Cash+!!!

Ken522 — Thu, 12 May 2016 14:38:07 GMT

Kidifico- I opened the card roughly 18-20 months ago and my overall utilization is 0%.. My fico is roughly 700 and I have barely used the card with the exception of one large purchase I paid off shortly after. Keep in mind you need a minimum of a 5k limit to be eligible for the cash+

Re: US Bank Product change from Platinum to Cash+!!!

galahad15 — Fri, 13 May 2016 02:53:04 GMT

Congratulations!

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Sat, 08 Oct 2016 18:21:55 GMT

Hey, Ken522 my secured CC,jus turned to platinum😃! So happy!!!

But my question is,was it a HP to PC cash+

Re: US Bank Product change from Platinum to Cash+!!!

RaiseMyScoreASAP — Sat, 08 Oct 2016 20:27:05 GMT

@Ken522 wrote:
Kidifico- I opened the card roughly 18-20 months ago and my overall utilization is 0%.. My fico is roughly 700 and I have barely used the card with the exception of one large purchase I paid off shortly after. Keep in mind you need a minimum of a 5k limit to be eligible for the cash+

This is weird but I applied for the Cash+. They denied me. I called rocn and they told me go away. Then I starting getting emails from them like I was customer. Then a Cash+ Rewards Signature showed up but the limit was $1,500. It's been a weird experience but it's a no fee card and I will keep it.

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Sat, 08 Oct 2016 20:42:39 GMT

RaiseMyScoreASAP,noiiice😃

That's strange...but in a gd way😁

Re: US Bank Product change from Platinum to Cash+!!!

NRB525 — Sun, 09 Oct 2016 04:34:20 GMT

@Anonymous wrote:
Hey, Ken522 my secured CC,jus turned to platinum😃! So happy!!!

But my question is,was it a HP to PC cash+

Congrats on the conversion of the card to a regular platinum. US Bank is a good one to have.

However Ken522 (and the other thread you are asking) are long gone With a question such as yours, it's likely best just to start your own thread and get to the question so people read the headline.

I PC'd a US Bank Cash Rewards card last year to Cash+, and there was no HP involved. Once you have the history, and they have the Change offer up for you, it's a simple matter to make the switch. You might need a $5k CL, but that may be relaxed recently for Cash+. Call them to find out

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Sun, 09 Oct 2016 07:05:10 GMT

NRB525, THKS myfico member rserla lead me down the rite path looks like I will be getting a cash+ as well ...I put the question everywhere cause searching on US bank here on the boards leads to deadends some times...did you have a SECURED US bank card at one point???

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Sun, 09 Oct 2016 07:07:37 GMT

NRB525,your advice is similar...would have worked also with your take on it...

Re: US Bank Product change from Platinum to Cash+!!!

NRB525 — Sun, 09 Oct 2016 12:15:24 GMT

@Anonymous wrote:
NRB525, THKS myfico member rserla lead me down the rite path looks like I will be getting a cash+ as well ...I put the question everywhere cause searching on US bank here on the boards leads to deadends some times...did you have a SECURED US bank card at one point???

Well, searching for US Bank leads to dead ends because it's not a bank that is common.

No, my card was not secured, but that should not make a difference. You may not be able to PC it from a cash rewards today, but after a few months with an unsecured version, they may offer you the Cash+ as a PC. US Bank is all about building a banking relationship, so with patience and time, good things will happen. With each of the three US Bank cards that I have, after 9 or 10 months, they each got a 40% CLI, and these 40% CLI were on $8k to $10k starting limits.

While others may suggest it's a bad idea to use the Cash Rewards 1% card because it's not absolutely the best return, my suggestion is that using the Cash Rewards 1% card is an investment in building your relationship with US Bank so you get to the Cash+.

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Sun, 09 Oct 2016 14:49:46 GMT

NRB525,

Oh no...my SECURED CC is now unsecured😃 I got to anxious though cause it's $5k CL so I really didn't think they unsecure,rserla gave me steps to PC yesterday...to cash+

THKS for the CLI information...I have not seen that any where on the board's I had plans using it but not that much ...now after reading your post it will get heavy use...rite now my AX every day is my daily driver...alsoNRB525

Can you please give me your take on cash rewards VS points cards and which you enjoy better...I keep reading that cash rewards are better and to

Re: US Bank Product change from Platinum to Cash+!!!

Anonymous — Sun, 09 Oct 2016 14:52:52 GMT

LOL😶 post got cut off...I was gonna say;and to jus stick with cash rewards cards