topic Re: US Bank Connect PC Experience in Credit Cards

US Bank Connect PC Experience

simplynoir — Wed, 18 May 2022 23:27:40 GMT

Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice

Re: US Bank Connect PC Experience

kilroy8 — Wed, 18 May 2022 23:59:14 GMT

Thanks Simply!

What were the two discarded card choices?

Re: US Bank Connect PC Experience

xenon3030 — Thu, 19 May 2022 05:56:05 GMT

Thanks. I assume the other two no AF cards are altitude Go and platinum. Otherwise, please update. I plan to PC this card soon.

Here are more questions:

After receiving the AF notification, how long do we have to request PC to avoid paying AF or reimburse it (US Bank may allow >1m)?
Also, is it feasible to upgrade it to Altitude Reserve (with SUB)?

PS: My Connect card is by chance plastic. Not sure the benefit of metallic cards (maybe for environment), but they make the wallet heavy.

Re: US Bank Connect PC Experience

simplynoir — Thu, 19 May 2022 13:50:34 GMT

@kilroy8 wrote:
Thanks Simply!

What were the two discarded card choices?

Altitude Go and Visa Platinum were the other two choices. She did tell me if I decided on Platinum I would be taken out of the rewards program which was unnecessary but appreciated

Re: US Bank Connect PC Experience

simplynoir — Thu, 19 May 2022 13:58:13 GMT

@xenon3030 wrote:
Thanks. I assume the other two no AF cards are altitude Go and platinum. Otherwise, please update. I plan to PC this card soon.

Here are more questions:
After receiving the AF notification, how long do we have to request PC to avoid paying AF or reimburse it (US Bank may allow >1m)?
Also, is it feasible to upgrade it to Altitude Reserve (with SUB)?
PS: My Connect card is by chance plastic. Not sure the benefit of metallic cards (maybe for environment), but they make the wallet heavy.

Yes, the other choices were the ones you mentioned. I am presuming you have a month from when it is posted to get the full refund for the AF. The reason I say this is because when I called back to ask about it the agent said I would still have to pay it even with the PC. When I made it a little clearer it just posted the day before and didn't mind paying the balance she placed me on hold to ask her supervisor. She came back and said it would automatically be refunded. If you plan to hold on to the card beyond the billing statement the AF posted for whatever reason I would ask them to get clarification on that question

If you plan to upgrade it to the Reserve I am pretty confident you will forfeit the SUB doing so just like I am forfeiting the Cash+ SUB with my product change. Only way I have seen upgrades coming with a SUB is AMEX with their upgrade offers. Other banks AFAIK have you not be eligible for the sign up bonus

Re: US Bank Connect PC Experience

UncleB — Fri, 20 May 2022 09:03:50 GMT

@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice

This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.

Re: US Bank Connect PC Experience

simplynoir — Fri, 20 May 2022 20:45:30 GMT

@UncleB wrote:
@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice
This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.

@UncleB, yes I would wait til the AF posts before asking for the PC. To be honest I had forgotten about the AF coming up on the Connect til I saw it post when checking my Socks Bank cards online, so it wasn't even an option for me. It might be possible to do it before it posts but better to play it safe. That is unless you want to become a datapoint for us all lol

Re: US Bank Connect PC Experience

UncleB — Sat, 21 May 2022 05:24:55 GMT

@simplynoir wrote:
@UncleB wrote:
@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice
This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.
@UncleB, yes I would wait til the AF posts before asking for the PC. To be honest I had forgotten about the AF coming up on the Connect til I saw it post when checking my Socks Bank cards online, so it wasn't even an option for me. It might be possible to do it before it posts but better to play it safe. That is unless you want to become a datapoint for us all lol

Nope, I have no desire to become a unique data point in this instance, LOL. I think I'll just stick to what's tried-and-true, and hope for the same results you had!

Re: US Bank Connect PC Experience

simplynoir — Sat, 21 May 2022 06:29:40 GMT

@UncleB wrote:
@simplynoir wrote:
@UncleB wrote:
@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice
This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.
@UncleB, yes I would wait til the AF posts before asking for the PC. To be honest I had forgotten about the AF coming up on the Connect til I saw it post when checking my Socks Bank cards online, so it wasn't even an option for me. It might be possible to do it before it posts but better to play it safe. That is unless you want to become a datapoint for us all lol
Nope, I have no desire to become a unique data point in this instance, LOL. I think I'll just stick to what's tried-and-true, and hope for the same results you had!

Let us know if you are successful as well 🦦

Re: US Bank Connect PC Experience

ptatohed — Sat, 21 May 2022 07:47:19 GMT

@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice

Good decision. I break out in hives over annual fees.

Re: US Bank Connect PC Experience

simplynoir — Wed, 25 May 2022 23:27:40 GMT

For @UncleB and anyone else interested Informed Delivery showed the new Cash+ card came in yesterday but only now just checked the mail #picsoritdidnthappen

AF still hasn't been refunded yet, will give them til next week before calling in to see what is going on

Re: US Bank Connect PC Experience

UncleB — Thu, 26 May 2022 14:06:33 GMT

Alrighty, I have another data point... I just got off the phone and a new Cash+ will be in the mail shortly.

My choices for a PC were the Cash+ and Altitude Go, and of course I went with the Cash+ (which is what I wanted the entire time, anyway).

The other stuff is just the same as @simplynoir experienced (same script)... card number changing, verify mailing address, etc. All-in-all a very efficient phone call; I was probably talking to the rep for less than two minutes total.

Before hanging up I asked about the annual fee on the old card (which posted last night) and she said that she could take care of it and I waited while she did some typing. Possibly this is something that would have been completed later had I not asked, but in any case folks doing a PC might want to bring it up.

Like I mentioned the call was rather quick, but I think (?) she said my existing rewards would be transferred over to the new account. In my case it's less than $3 so it's not a big deal either way, but I'll confirm later if this was the case.

Side note: I just checked my online dashboard, and the account is now showing up with $0 credit line on the old account number, and there's no new account number showing up yet. This might be normal, but it's strange and I'll feel better once everything is settled. (I'm not in the mood to have to fight with them over an account closed in error, hopefully that's not the case.)

Re: US Bank Connect PC Experience

simplynoir — Thu, 26 May 2022 17:05:00 GMT

@UncleB wrote:
Alrighty, I have another data point... I just got off the phone and a new Cash+ will be in the mail shortly.

My choices for a PC were the Cash+ and Altitude Go, and of course I went with the Cash+ (which is what I wanted the entire time, anyway).

The other stuff is just the same as @simplynoir experienced (same script)... card number changing, verify mailing address, etc. All-in-all a very efficient phone call; I was probably talking to the rep for less than two minutes total.

Before hanging up I asked about the annual fee on the old card (which posted last night) and she said that she could take care of it and I waited while she did some typing. Possibly this is something that would have been completed later had I not asked, but in any case folks doing a PC might want to bring it up.

Like I mentioned the call was rather quick, but I think (?) she said my existing rewards would be transferred over to the new account. In my case it's less than $3 so it's not a big deal either way, but I'll confirm later if this was the case.

Side note: I just checked my online dashboard, and the account is now showing up with $0 credit line on the old account number, and there's no new account number showing up yet. This might be normal, but it's strange and I'll feel better once everything is settled. (I'm not in the mood to have to fight with them over an account closed in error, hopefully that's not the case.)

For me it was immediate the change and even showing the new number on their end and last four digits on mine. When I had called back to ask about AF I wanted to know what card they saw and they said the Cash+ on their screens. What made it weird though is that even now it still show the Connect images and on account information shows Connect as well. But the rewards system went to cash like you and rewards page shows the same so kinda weird lol

Re: AF I guess I may have to call them back sooner than I thought if that is the case. I'll do it later today and report back on it

Re: US Bank Connect PC Experience

UncleB — Thu, 26 May 2022 18:31:32 GMT

Hmm... hopefully I don't have a problem.

The only thing that makes me think it might be OK is that in addition to the credit limit being $0 my statement balance has updated to be $0 and the due date now is dashes, with $0 as the mininum due amount (I think it was previously $40 or thereabouts) - the account balance at the top is still showing the same as before (just over $100). I'm thinking that if the account was closed in error there would still be a payment due. Interestingly, there's no sign of rewards at all. 🤔

If it's not showing me the new account number by tomorrow I'll give them a call back.

(The one thing I didn't think to ask is if the old card would continue to work while the new one was being mailed, but I don't think I want to try it anyway... this is complicated enough as it is.)

Re: US Bank Connect PC Experience

UncleB — Thu, 26 May 2022 18:38:07 GMT

OK, this is weird, on the app it was showing $0 credit available and all the other stuff I mentioned, but just now I logged in on my computer and the credit limit is still there (and payment is still due, etc.).

Now when I go back to check the app, it's giving me an error and tells me to try again later. ¯\_(ツ)_/¯

I don't know what's up, but I'm going to leave it alone for now and see if it all gets sorted overnight. If not I'll be time for a quick "hello" with a customer service rep.

Re: US Bank Connect PC Experience

Adkins — Sat, 28 May 2022 06:53:38 GMT

@UncleB wrote:
OK, this is weird, on the app it was showing $0 credit available and all the other stuff I mentioned, but just now I logged in on my computer and the credit limit is still there (and payment is still due, etc.).

Now when I go back to check the app, it's giving me an error and tells me to try again later. ¯\_(ツ)_/¯

I don't know what's up, but I'm going to leave it alone for now and see if it all gets sorted overnight. If not I'll be time for a quick "hello" with a customer service rep.

Did it correct itself?

Re: US Bank Connect PC Experience

UncleB — Sat, 28 May 2022 06:55:14 GMT

@Adkins wrote:
@UncleB wrote:
OK, this is weird, on the app it was showing $0 credit available and all the other stuff I mentioned, but just now I logged in on my computer and the credit limit is still there (and payment is still due, etc.).

Now when I go back to check the app, it's giving me an error and tells me to try again later. ¯\_(ツ)_/¯

I don't know what's up, but I'm going to leave it alone for now and see if it all gets sorted overnight. If not I'll be time for a quick "hello" with a customer service rep.
Did it correct itself?

A few hours after this (right before bed) I checked again, and now it's showing a new credit card number (whoo-hoo!), but it's still showing me as having an Altitude Connect. Also, when I logged in I was prompted to set up my new card, which it said was an Altitude Connect.

A few hours later (insomnia) I checked again, and nothing had changed with the account but the $30 Streaming credit had posted, which I wasn't expecting, but still no AF credit. I decided at this point if the AF credit never shows up to just let it go, since I got ~$650 in rewards out of the card last year, and I could certainly justify "eating" a $65 fee ($95-$30), plus I don't really want to 'poke' them too much.

Re: US Bank Connect PC Experience

UncleB — Sat, 28 May 2022 07:00:37 GMT

Today (Friday) there were more changes... (this is like watching a soap opera unfold, LOL).

Rewards went to $0 (not a big deal, was only ~$3 anyway) and now when I click the link to check the rewards it takes me to the standard landing for a Cash+, but the website still shows the card as an Altitude Connect. 🤔 If I was only checking the app things would look perfect.

Also, just a couple of hours ago the $95 AF was credited back. (!!!) So, I got the streaming credit and the AF refunded.

I'm thinking once I activate the new card the graphic on the website might update, but as long as they send the right card and and it 'works' I'm not too concerned over the website stuff.

Sorry for the drawn-out blow-by-blow, LOL. It seems that with U.S. Bank, a PC is a bit like sausage making... best not to watch closely, and just inspect (and enjoy) the final product.

Re: US Bank Connect PC Experience

NoHardLimits — Sun, 29 May 2022 05:23:47 GMT

I am planning to do the same Connect to Cash+ product change next year. Thanks for posting this step-by-step description of the process. It will spare me from hours of worrying.

Re: US Bank Connect PC Experience

UncleB — Thu, 02 Jun 2022 19:52:22 GMT

In today's episode of "As the ~~World Turns~~ PC Lingers"...

Overnight I got another statement credit, this time for the ~$3 in unredeemed rewards from the old card.

The dashboard is still showing a mish-mash of info for Connect and Cash+, but I'm thinking that's just because the physical Connect card is still active (I'm assuming it is, anyway... haven't tried it, though).

I'm still waiting on the new physical Cash+ card to arrive in the mail.