topic Re: US Bank Cash 365 American Express in Credit Cards

US Bank Cash 365 American Express

macinjosh — Wed, 05 Dec 2018 19:23:24 GMT

Question, how many people have the US Bank Cash 365 Amex card? Do you like it? What was your SL? Mine was $1,300. Do you have regular CLI’s? And when was your first CLI? Thanks.

Re: US Bank Cash 365 American Express

JayTee1 — Wed, 05 Dec 2018 21:32:09 GMT

I have it. I got it for the 1.5% cash back, and it's decent, but nothing exciting. I've since thought about trying to product change to one of their other cards (I think cash + with the two categories you get to choose looks interesting), but probably won't try until this card ages some more. I've had it about 1.5 years, started with a CL of $7000, requested one CLI for $1,500 and got it. I requested a $1,500 increase because, if I recall correctly, I read at the time that $1,500 or less was probably a soft pull. I did not receive a hard pull for that CLI request. I think I requested that CLI around a year. (I'd do research again before requesting any CLI ... I can't remember where I read this info, but probably myfico.)

I don't really push my luck with US bank, so I'm just waiting to see if they'll increase the CL without any further requests.

Re: US Bank Cash 365 American Express

macinjosh — Wed, 05 Dec 2018 22:22:05 GMT

$7,000 SL? Nice start! I’m hoping that once I start using it and paying on it they will just give me SP CLI’s without me having to request them. I don’t even remember applying for it, probably because it was early early in the morning, but when the card came there was something included I was pleasantly surprised. It came with 0% APR on purchases. I think I applied for it for the 15 months BT offer. But I’m using it for purchases instead.

Re: US Bank Cash 365 American Express

NRB525 — Wed, 05 Dec 2018 23:57:02 GMT

Don’t have this specific card, but have three active an two previous cards.
For some of them, after 9-10 months they got auto CLI of 40%. I think some others saw that also. Not every card gets this, but USB generally can grow with SP over time.

Re: US Bank Cash 365 American Express

JayTee1 — Thu, 06 Dec 2018 04:27:33 GMT

You reminded me of the other thing I loved about this card (but have so easily forgotten -- ha ha): the 15 months 0% interest. That was very, very useful.

Re: US Bank Cash 365 American Express

RonM21 — Fri, 07 Dec 2018 23:32:06 GMT

@NRB525 wrote:
Don’t have this specific card, but have three active an two previous cards.
For some of them, after 9-10 months they got auto CLI of 40%. I think some others saw that also. Not every card gets this, but USB generally can grow with SP over time.

Good to know. My auto lease is with them, which is the only ties I have to them. But I was considering the possibility of exploring their cards. Being able to SP CLI is a plus.

Re: US Bank Cash 365 American Express

nrm — Fri, 07 Dec 2018 23:51:16 GMT

I have it for more or less than 2 years. I applied for $150.00 bonus after $500.00 spent in 3 months. SL was $17,000.00 and it's been sitting peacefully in the SD since then.

Re: US Bank Cash 365 American Express

JayTee1 — Wed, 19 Dec 2018 00:39:37 GMT

FWIW, a couple days after I posted my last response, I logged into my US Bank account, and saw they had given me a $3000 CLI. This was at approximately the 1.5 year mark; I didn't request it unlike the last one about a year ago.

Re: US Bank Cash 365 American Express

macinjosh — Wed, 19 Dec 2018 01:03:43 GMT

@nrm wrote:
I have it for more or less than 2 years. I applied for $150.00 bonus after $500.00 spent in 3 months. SL was $17,000.00 and it's been sitting peacefully in the SD since then.

$17,000 SL? Are you a long term USB customer?

Re: US Bank Cash 365 American Express

macinjosh — Wed, 19 Dec 2018 01:05:06 GMT

@JayTee1 wrote:
FWIW, a couple days after I posted my last response, I logged into my US Bank account, and saw they had given me a $3000 CLI. This was at approximately the 1.5 year mark; I didn't request it unlike the last one about a year ago.

Awesome! Glad to hear that. Well hopefully I'll have an easy time getting CLI's from them. Since I have a USB branch in town near me, at least I can do business with them on a regular basis if I want to.