I am hoping for a US Bank Cash + card and I understand they are a relationship heavy bank. I tried to open a checking or savings account to start a relationship but was told Florida is outside their foot print. So anything else I can do to increase my chance? I don't mind gardening but would like to have a timeline, since it seems I will have to cold app at some point.
No baddies but thin file, Fico scores:
EX, 759, 4 inquries, 10/19, 12/19, 12/19, 3/20
TU, 780, 1 inquiry, 4/20
EQ, 798, no inquiry
Only 2 cards to my name:
Amex BCE 10/19 SL $2000, now $4000
BoA CR MC 12/19 $5000
Any advice to when I can try to cold app? And in the meantime anything I can do to improve my odds?
My mom just got that card (11,000 CL) and we live in Michigan just to use the 5% CB on the phone and cable bill.
While relationships can't say much just because that is just money; the major thing would be based on your credit report and the details that are in it.
Are there any late fees? Are there so many Hard Pulls shown on your report? Is the average age for account good? etc down the list.
@eastsea wrote:I am hoping for a US Bank Cash + card and I understand they are a relationship heavy bank. I tried to open a checking or savings account to start a relationship but was told Florida is outside their foot print. So anything else I can do to increase my chance? I don't mind gardening but would like to have a timeline, since it seems I will have to cold app at some point.
No baddies but thin file, Fico scores:
EX, 759, 4 inquries, 10/19, 12/19, 12/19, 3/20
TU, 780, 1 inquiry, 4/20
EQ, 798, no inquiry
Only 2 cards to my name:
Amex BCE 10/19 SL $2000, now $4000
BoA CR MC 12/19 $5000
Any advice to when I can try to cold app? And in the meantime anything I can do to improve my odds?
Interesting as US Bank was to be entering Texas, Georgia, Florida and North Carolina (2019-2020). They have opened branches in North Carolina. In searching I find a US Bank Branch in Naples Florida (assuming it actually exists) then they would be in Florida?
Came up with the following Florida address: 9105 Strada Place, Suite 3200, Naples 34108. Did a further search on US Bank's website and no Florida address comes up. So what the heck? 
@Anonymous wrote:
@eastsea wrote:I am hoping for a US Bank Cash + card and I understand they are a relationship heavy bank. I tried to open a checking or savings account to start a relationship but was told Florida is outside their foot print. So anything else I can do to increase my chance? I don't mind gardening but would like to have a timeline, since it seems I will have to cold app at some point.
No baddies but thin file, Fico scores:
EX, 759, 4 inquries, 10/19, 12/19, 12/19, 3/20
TU, 780, 1 inquiry, 4/20
EQ, 798, no inquiry
Only 2 cards to my name:
Amex BCE 10/19 SL $2000, now $4000
BoA CR MC 12/19 $5000
Any advice to when I can try to cold app? And in the meantime anything I can do to improve my odds?
Interesting as US Bank was to be entering Texas, Georgia, Florida and North Carolina (2019-2020). They have opened branches in North Carolina. In searching I find a US Bank Branch in Naples Florida (assuming it actually exists) then they would be in Florida?
Came up with the following Florida address: 9105 Strada Place, Suite 3200, Naples 34108. Did a further search on US Bank's website and no Florida address comes up. So what the heck?
Just went on to their website and got this reply
@Anonymous wrote:
@eastsea wrote:I am hoping for a US Bank Cash + card and I understand they are a relationship heavy bank. I tried to open a checking or savings account to start a relationship but was told Florida is outside their foot print. So anything else I can do to increase my chance? I don't mind gardening but would like to have a timeline, since it seems I will have to cold app at some point.
No baddies but thin file, Fico scores:
EX, 759, 4 inquries, 10/19, 12/19, 12/19, 3/20
TU, 780, 1 inquiry, 4/20
EQ, 798, no inquiry
Only 2 cards to my name:
Amex BCE 10/19 SL $2000, now $4000
BoA CR MC 12/19 $5000
Any advice to when I can try to cold app? And in the meantime anything I can do to improve my odds?
Interesting as US Bank was to be entering Texas, Georgia, Florida and North Carolina (2019-2020). They have opened branches in North Carolina. In searching I find a US Bank Branch in Naples Florida (assuming it actually exists) then they would be in Florida?
Came up with the following Florida address: 9105 Strada Place, Suite 3200, Naples 34108. Did a further search on US Bank's websiteand no Florida address comes up. So what the heck?
I did the exact same thing when I was trying to figure out if the zip code input on their site was legit. When I put in the zip code for the one listed on the Internet in Naples, FL and came back on their site that is was not valid but shows a branch there on the web. I want to start a relationship with them also to get the Cash+ card but guess I will have to wait until they decide to come to GA.
@Anonymous wrote:It's a bit of work but if you open a brokerage account with them they'll open a checking account for you.
Thank you! That's great help!
@Meanmchine wrote:Forgot to mention
My brother cold apped for the Cash+ card and he lives in Florida, no prior relationship. Was approved for $3500 with 670ish TU med collections and 3 year old 30/60 day lates. I dont think this is the norm for US Bank but yes, sometimes, miracles happen
I also live in FL, I thought I was 😜, because the US Bank is one of my goal cards and I swore I saw a branch recently while riding my bike. Turns out I am only 1/2 😝, here you go
