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USBank Platinum Visa small approval

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Super Contributor

USBank Platinum Visa small approval

Losing my main business Mastercard and Visa due to Bank of America's adverse action closing them, and wanting to have a non-Amex business card in my roster, I applied for the Business Platinum Visa from US Bank which has never approved me for anything, and to my surprise was approved for the Platinum with a 5k limit.

 

Needless to say I'm pleased.

 

When my utilization -- and with it my FICO scores -- improve, I'll be interested in a CLI, so any tips anyone can give me on CLI's from US Bank would be appreciated. I have zero experience with this outfit.

 

1/20/20 Update. Thanks @James_A and @mikesonthemend It is gratifying that you noticed how folks were 'raking me over the coals' in repayment for revealing some negative action by my lenders. It really makes one reluctant to bring to the forum anything other than positive news. In the future I will probably think twice about sharing something negative which I think might be useful knowledge. It seems like some people are in a big hurry to (a) defend the big banks and (b) establish distance between themselves and someone who gets dinged by one of them. I will soon be out of my current negative phase, which was brought about solely by utilization, and I hope when I do I will remember never to be unkind to others.


Total revolving limits 646000 (570000 reporting)



Message 1 of 13
12 REPLIES 12
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Established Contributor

Re: USBank Platinum Visa small approval

Congrats 🎊🎉🎈🍾 @SouthJamaica on that approval.

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | NFCU More Rewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 2 of 13
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Super Contributor

Re: USBank Platinum Visa small approval

Congratulations on your approval!
Message 3 of 13
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Frequent Contributor

Re: USBank Platinum Visa small approval

Congrats!
Message 4 of 13
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Valued Contributor

Re: USBank Platinum Visa small approval

Congrats. I know Remedios has a thread or two with US Bank and CLIs but that is over on the personal credit side.

Message 5 of 13
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Moderator

Re: USBank Platinum Visa small approval

Congrats on the rebound,... errr new biz approval 😄 👍 

Message 6 of 13
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Valued Contributor

Re: USBank Platinum Visa small approval

Congrats on the approval.

 

Given your profile, usage and PIF, I suspect you'll have no issues with getting CLIs. Not that they dislike balances, i've had a couple small balances a few times with them. That said, I believe CLIs are still a HP unless it's an auto increase, which typically happens annually. 

 

Good Luck with your new Credit partner!






Message 7 of 13
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Community Leader
Super Contributor

Re: USBank Platinum Visa small approval

Congrats on the approval!!

I have two business cards from them, and they are more lax I think on the business side than personal. I got the first biz card The Edge rewards 7/2018, SL $6K, and then a little over a year later got a flyer in the mail for set APR for the cash WEMC.

Went online, and applied with code, and showed up a few days later online.....$12K!

They have been good too me, and I also have my business checking with them, and all biz deposits go into it. Just recently they sent me another pre-approved set apr for the WEMC...tempted to try for a 3rd, lol


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 8 of 13
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Super Contributor

Re: USBank Platinum Visa small approval

Congrats on your approval SJ !

Message 9 of 13
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Valued Contributor

Re: USBank Platinum Visa small approval

Congrats, again, SJ. Hate that you got raked over the coals for sharing the other day. I appreciate you sharing.




RIP: BTFD 20/02/2020
Gardening is hard.
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
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