topic Re: Question on USB Cash+/checking SUB in Credit Cards

Question on USB Cash+/checking SUB

xenon3030 — Mon, 03 Dec 2018 12:15:14 GMT

I don't have a prior relationship to USB to receive its exclusive SUB offers on checking accounts or CCs. So, to start a relationship, is it feasible to open e.g. a saving account (or other types) and afterward, wait to recieve its checking SUB offers? Does the SUB checking offers work, in the presence of a prior saving account?

Also based on experiences of several users, opening a cold Cash+ results a very low CL. So, I want to see whether it is a good idea to go for a saving account first, and afterward, go for cash+ and wait for the checking offer.

Re: Question on USB Cash+/checking SUB

Anonymous — Mon, 03 Dec 2018 12:54:34 GMT

Do you live near a U.S. Bank location?

I think the easiest course is to check for U.S. Bank promotions on DoctorofCredit and apply. In my experience U.S. Bank doesn't do much mailing campaigns; they rely on advertisements in their service area. So DoctorofCredit gives you the ability to know about promotions that you otherwise wouldn't know about.

I'm a US Bank customer and the only mailed promotions I can recall getting were for their Reserve and Premier Lines of Credit. But that's probably because I opened checking, savings, and money market accounts in the same in-branch visit so there wasn't much left to offer me.

Re: Question on USB Cash+/checking SUB

JR_TX — Mon, 03 Dec 2018 14:28:27 GMT

I cold app’d last Few months ago with EQ8 similar to yours though they used EQ Mortgage score variant 714 I think that time and got instantly approved. Got a good SL of $9K. SUB was not listed on my approval/acceptance page as an offer (only the apr promo for BT and purchase). They messed up on their BT apr when they charged me a full rate instead of the promo. Called in, had to speak with a supervisor for an override since front CSR couldn’t help me. They corrected it eventually then couple of weeks later I received my $150 SUB. Turned out well for me in the end! Hope this story helps.

Re: Question on USB Cash+/checking SUB

xenon3030 — Sat, 15 Dec 2018 15:53:20 GMT

Thanks. I got approved with cold app with 8k CL but I cannot see mentioning 150$ SUB offer in the documents or in the account page online.

Shall I call them or do they automatically include it?