US Bank Flexperks AMEX

[Anonymous]

I got a letter in the mail for a per-qual on the US Bank Flexperks AMEX. This is a newer product, but they have had the Visa for several years.

The offer:

$49 AF (Waived with banking relationship)

15.99% APR after 0% intro on purchases and transfers (3% fee)

10k points after $500 spent in 90 days

I took the offer but got the 7-10 day message. I called into underwriting and they told me I need to wait. While I was on the phone I asked them for a CLI on my existing flexperks card. It currently has a limit of $19k (signature outdated) and I asked them to make it $20k.

[Involver]

Why would you only ask for $1000 for a CLI?

I have the FlexPerks Amex .. need to get around to the minimum spend now that I've gotten it out of the way on the CSP.  Got a pretty decent limit and good APR on it.  

[Anonymous]

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@Involver wrote:

Why would you only ask for $1000 for a CLI?

I have the FlexPerks Amex .. need to get around to the minimum spend now that I've gotten it out of the way on the CSP.  Got a pretty decent limit and good APR on it.  

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I didn't want to ask for a whole lot since I was already asking for an approval on a new app. Also, my income doesn't support much more anyways. Plus, I asked them to use the HP from the app.

The card I want is the flexperks reserve card, but I don't have the assets

[CreditCuriosity]

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@Anonymous wrote:

I got a letter in the mail for a per-qual on the US Bank Flexperks AMEX. This is a newer product, but they have had the Visa for several years.

The offer:

$49 AF (Waived with banking relationship)

15.99% APR after 0% intro on purchases and transfers (3% fee)

10k points after $500 spent in 90 days

I took the offer but got the 7-10 day message. I called into underwriting and they told me I need to wait. While I was on the phone I asked them for a CLI on my existing flexperks card. It currently has a limit of $19k (signature outdated) and I asked them to make it $20k.

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Damn very impressive credit profile for only 21 years old?  holy moly

[Anonymous]

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@Anonymous wrote:

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@Involver wrote:

Why would you only ask for $1000 for a CLI?

I have the FlexPerks Amex .. need to get around to the minimum spend now that I've gotten it out of the way on the CSP.  Got a pretty decent limit and good APR on it.  

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I didn't want to ask for a whole lot since I was already asking for an approval on a new app. Also, my income doesn't support much more anyways. Plus, I asked them to use the HP from the app.

The card I want is the flexperks reserve card, but I don't have the assets

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Awesome credit profile and cards! Congrats...

[chalupaman]

I say go for it. You already have a really good credit profile anyway and even much better than what I have for my age.

[Anonymous]

My signature is outdated. I am 23 now and my available credit is over $100k.

[Anonymous]

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@chalupaman wrote:

I say go for it. You already have a really good credit profile anyway and even much better than what I have for my age.

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I did apply and will update when I get the results.

[Anonymous]

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@ArmyVietVet wrote:

Awesome credit profile and cards! Congrats...

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Thanks, it has changed a bit since I made the signature. I no longer have the AMEX plat, instead I have the Ritz Carlton card with a $20k  limit.

[Anonymous]

Wow!