topic Re: US BANK CREDIT CARDS in Credit Cards

US BANK CREDIT CARDS

tbea1004 — Wed, 06 Sep 2017 00:55:28 GMT

How often can you apply for Us Bank cards? What do they look for as far as inquiries and new accounts? How often do they give out CLIs?

Re: US BANK CREDIT CARDS

Appleman — Wed, 06 Sep 2017 01:26:28 GMT

You can apply as often as you like. Approved, that is a different story.

USBank has a reputation as a conservative lender and seem to open up once a relationship has been established.

Re: US BANK CREDIT CARDS

Anonymous — Wed, 06 Sep 2017 01:44:30 GMT

I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.

Re: US BANK CREDIT CARDS

Schwartzinator — Thu, 07 Sep 2017 04:48:42 GMT

You can't request an online increase for signature cards for whatever the same reason is that they do not list your current limit.

Re: US BANK CREDIT CARDS

Anonymous — Thu, 07 Sep 2017 14:11:06 GMT

That Cash+ card was the beggining of my downfall.

Re: US BANK CREDIT CARDS

Viva-LV — Thu, 07 Sep 2017 14:39:52 GMT

@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.

You might try apping for another card. I did the same as you; pc'd to Cash +. But I have the Flex Am Ex and Visa also. I can't remember a cli that wasn't an auto cli, and have had cli requests denied (kind of like Chase). But then, turned around and was approved for the Alt Reserve. CC exposure: $57k.

Re: US BANK CREDIT CARDS

Anonymous — Thu, 07 Sep 2017 18:01:43 GMT

I've heard they manually review each application..

Re: US BANK CREDIT CARDS

Anonymous — Thu, 07 Sep 2017 20:55:54 GMT

@Viva-LV wrote:
@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.
You might try apping for another card. I did the same as you; pc'd to Cash +. But I have the Flex Am Ex and Visa also. I can't remember a cli that wasn't an auto cli, and have had cli requests denied (kind of like Chase). But then, turned around and was approved for the Alt Reserve. CC exposure: $57k.

57k with US Bank? that's not a bad idea, maybe I will go ahead whenever the Skypass cards have increased bonuses again. They're horrible for use, but 30k miles for any amount of first purchase is nice. As far as the Cash+ I don't need it to be more than probably 5k since I only use it for the 5% categories but at this point they are the only lender that hasn't been growing with me. Two years ago when I started learning about credit I had $1000 total, now I'm approaching $230k yet they won't increase that card even though I use it fairly heavily.

Re: US BANK CREDIT CARDS

Viva-LV — Thu, 07 Sep 2017 23:05:20 GMT

@Anonymous wrote:
@Viva-LV wrote:
@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.
You might try apping for another card. I did the same as you; pc'd to Cash +. But I have the Flex Am Ex and Visa also. I can't remember a cli that wasn't an auto cli, and have had cli requests denied (kind of like Chase). But then, turned around and was approved for the Alt Reserve. CC exposure: $57k.
57k with US Bank? that's not a bad idea, maybe I will go ahead whenever the Skypass cards have increased bonuses again. They're horrible for use, but 30k miles for any amount of first purchase is nice. As far as the Cash+ I don't need it to be more than probably 5k since I only use it for the 5% categories but at this point they are the only lender that hasn't been growing with me. Two years ago when I started learning about credit I had $1000 total, now I'm approaching $230k yet they won't increase that card even though I use it fairly heavily.

@I couldn't predict a USB cli if my life depended on it. On 5/2, got an auto cli on my Flex Am Ex to $7500. Apped for the Alt Res on 5/10, two day approval @ $29k (I've got a couple of BOA's with higher limits). On 5/23, auto cli on Flex Visa to $13k. Cash+ @ $7500. I've been with USB for some time. Next cli? Maybe next year!

Re: US BANK CREDIT CARDS

Anonymous — Sat, 09 Sep 2017 03:25:44 GMT

I have had a USBANK checking since 2008. Now have cash rewards and cash +. They do auto cli every 9 months but not much. Minimum payments are plus new interest accrued. All were manual reviews.

Conservative yes. Nothing special. CSR is that of a small bank and friendly.

Re: US BANK CREDIT CARDS

Anonymous — Sat, 09 Sep 2017 06:42:12 GMT

In a period of eight months after opening two checking accounts I received approval for two credit cards and three lines of credit. A year later they SP two credit limit increases of $1,500 and two years later gave me an SP auto-limit increase of $4,500. Then had an account review did some limit reallocation and added another $500 HP. Total exposure of $40,000.

Re: US BANK CREDIT CARDS

Themanwhocan — Sat, 09 Sep 2017 23:00:19 GMT

@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.

Try requesting a SP CLI here: https://www.usbank.com/splash/credit-cards/credit-line-increase.html

Re: US BANK CREDIT CARDS

OmarR — Fri, 26 Jan 2018 04:38:41 GMT

@Themanwhocan wrote:
@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.
Try requesting a SP CLI here: https://www.usbank.com/splash/credit-cards/credit-line-increase.html

When you request online, do you get to ask for an amount?

Re: US BANK CREDIT CARDS

FinStar — Fri, 26 Jan 2018 04:44:09 GMT

@OmarR wrote:
@Themanwhocan wrote:
@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.
Try requesting a SP CLI here: https://www.usbank.com/splash/credit-cards/credit-line-increase.html
When you request online, do you get to ask for an amount?

Yes, I believe there's a drop-down selection. Whether you get approved for it is another story. HP for *most* CLI requests.

Re: US BANK CREDIT CARDS

bourgogne — Fri, 26 Jan 2018 05:44:30 GMT

@Schwartzinator wrote:
You can't request an online increase for signature cards for whatever the same reason is that they do not list your current limit.

huh, I am looking at my cash+ with the limit and cli button right in front of me

Re: US BANK CREDIT CARDS

bourgogne — Fri, 26 Jan 2018 05:45:39 GMT

@Themanwhocan wrote:
@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.
Try requesting a SP CLI here: https://www.usbank.com/splash/credit-cards/credit-line-increase.html

both the link and # are dead, have been for some time now

Re: US BANK CREDIT CARDS

OmarR — Fri, 26 Jan 2018 21:51:31 GMT

wrote:
@Themanwhocan wrote:
@Anonymous wrote:
I applied 2 years ago for the first time when my credit was not perfect, and got a crummy Cash Rewards card for my troubles. It is now a Cash+ but still crummy limit, and I don't even have the option of requesting a CLI on the website.

However, they approved a 7.5k business card for me oddly enough just a few months ago. I kind of want to open all their Korean Air Skypass cards during the increased bonus periods but I'm not sure how much they like me yet since they still won't let me increase the Cash+ to a healthy limit.
Try requesting a SP CLI here: https://www.usbank.com/splash/credit-cards/credit-line-increase.html
both the link and # are dead, have been for some time now

I click on the link and it's working for me. Am I missing something? Is it not working AFTER you enter your personal info? I can't make it that far because I havent received my new card yet.

Re: US BANK CREDIT CARDS

Schwartzinator — Sat, 27 Jan 2018 01:05:20 GMT

wrote:
@Schwartzinator wrote:
You can't request an online increase for signature cards for whatever the same reason is that they do not list your current limit.
huh, I am looking at my cash+ with the limit and cli button right in front of me

This is a very new account feature for USBank.