Should I Push the Luv Button

[ecxpa]

This may not be the right area......if not mods please move.   I have 3 US Bank cards, Cash+Visa, Cash 365 Amex, and the Raddison Card.  Just got the Cash365 Amex a couple of mos ago and it has a luv button for a CLI, the other 2 cards do not.  Should I push the luv button or what, it has appeared from time to time on the other cards but disappears.  Any insight or experience is appreciated.

[rprisco]

I too just got the cash plus amex from US Bank. 5k SL. They do have the button on mine as well. Card opened March 30th, hit button twice for 1500 each time, both declined. My TU score on approval was 724, 8 inq and 3 paid charge offs. Charge offs are now gone,, score went up to 765. I called CSR was told they are still using my original score they pulled when account opened. She said to wait at least 6mos.

From what I have read hitting the button for $1500 or less is a TU SP and no need to wait 6 mos.

As of the 19th of this month 4 inq will be 1 year, leaving 1 just over 6 mos and 3 under 6 mos hoping to go up on FICO closer to 800, not sure when they update internal scores, but on the 20th I'm hitting that button again.

[ecxpa]

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@rprisco wrote:
I too just got the cash plus amex from US Bank. 5k SL. They do have the button on mine as well. Card opened March 30th, hit button twice for 1500 each time, both declined. My TU score on approval was 724, 8 inq and 3 paid charge offs. Charge offs are now gone,, score went up to 765. I called CSR was told they are still using my original score they pulled when account opened. She said to wait at least 6mos.

From what I have read hitting the button for $1500 or less is a TU SP and no need to wait 6 mos.

As of the 19th of this month 4 inq will be 1 year, leaving 1 just over 6 mos and 3 under 6 mos hoping to go up on FICO closer to 800, not sure when they update internal scores, but on the 20th I'm hitting that button again.

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Did they do SP when you hit the button?

[rprisco]

No they used the same report/score from initial approval. CSR said new scores not updated yet for me, CSR suggested I wait 6 mos.

[ecxpa]

Hit the luv button and got the 10day message; thought it would be instant decision

[rprisco]

I don't think its instant. Keep an eye on the account, not sure credit folks work on weekend, I believe most cli are manually reviewed.

[imaximous]

where are you guys seeing the luv button? I've had my two USB cards for 4 months now, and I don't see it anywhere.

[ecxpa]

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@imaximous wrote:

where are you guys seeing the luv button? I've had my two USB cards for 4 months now, and I don't see it anywhere.

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The luv buttons tend to come and go on my accounts.........I was surprised to see it on this relatively new card.   I don't know if seeing the luv button means anything.

[imaximous]

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@ecxpa wrote:

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@imaximous wrote:

where are you guys seeing the luv button? I've had my two USB cards for 4 months now, and I don't see it anywhere.

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The luv buttons tend to come and go on my accounts.........I was surprised to see it on this relatively new card.   I don't know if seeing the luv button means anything.

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Where on the site does it show, though? Right on the main page where they list your accounts or somewhere else?

[ecxpa]

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@imaximous wrote:

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@ecxpa wrote:

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@imaximous wrote:

where are you guys seeing the luv button? I've had my two USB cards for 4 months now, and I don't see it anywhere.

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The luv buttons tend to come and go on my accounts.........I was surprised to see it on this relatively new card.   I don't know if seeing the luv button means anything.

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Where on the site does it show, though? Right on the main page where they list your accounts or somewhere else?

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It is on the main page where your accounts are listed.  There is a box on the left with the heading, "I'd Like to...", available options are listed in the box..............like I said the luv button tends to come and go on my accounts.