Generous for a first CC with us bank is 5k 
... They are ultra conservative until you get in their good graces with history with them
@CreditCuriousity wrote:Generous for a first CC with us bank is 5k
No.
US Bank gave me my very first unsecured credit card with a $8500 limit after having a secured card for 1 year. And after 2.5 months and 2 more credit cards, they gave me a second US Bank card with $6500 limit.
@Themanwhocan wrote:
@CreditCuriousity wrote:Generous for a first CC with us bank is 5k
No.
US Bank gave me my very first unsecured credit card with a $8500 limit after having a secured card for 1 year. And after 2.5 months and 2 more credit cards, they gave me a second US Bank card with $6500 limit.
You have 1 year of history with them with the secured card.
@Anonymous wrote:Yesterday after work, I got a call on my home phone from US Bank. No one ever calls me on my home phone unless its some telemarketer.
The call was from US Bank, whom I have my car loan through, calling to get me to apply for one of their credit cards which they had sent me a mailer for last month. The CSR was very nice and thorough. I declined. That was the first time I've ever gotten a call to apply for a CC. I've gotten lots of letters in the mail, but never a call that I could recall.
I'll have to use it to my advantage and see what more they can offer me. 0% for 19 months for transfers/purchases, but a terrible 15.99% APR later. But they do offer generous limits if approved. But I told him no way, the interest was too high. Maybe later.
Do you guys and gals get these types of calls?
Yes.
I have a mortgage from 2007 through US Bank. They called me in 2009 to give me a 1% rewards card. Sure, I'll take that. I had about $100k of open balances at the time. Used it heavily, but carried balances of $5k to $6k.
In 2013, they called me again and gave me the Cash+ over the phone. I didn't really understand the value of the card, and didn't really get organized with how to use some of the 5% categories until about a year ago.
I recently PC'd the first card from CashRewards to Cash+, so I now have two Cash+ cards. Both cards send me regular BT offers at 3% fee and 2.99% APR.
