US Bank

[Anonymous]

A few months ago (maybe Oct) I had a pre-qual for the cash+ signature visa. I was approved with a $500 SL after a few days in review. I called and tried to recon a higher starting limit, but they were unwilling to increase it at the time. I haven't used the card yet since I have been too busy putting spend through other cards that have to get the sign up bonuses.

That said, I am now pre-qualified for two of their Amex Cards - Flex Perks and Cash - both look like a solid APR. Does anyone know how many cards they will typically approve you for and what is the likelyhood of getting a higher limit (if even approved) given the fact I haven't even used the first card yet?

[Shadowfactor]

Is the card even still active and open ?

I have 2 US bank Credit cards. So I know that’s possible.

They are a relationship bank, so if you have ample assets and income and bank with them. They will open up
US bank is very conservative when it comes to lending.

If you don’t want another toy limit, I suggest using the card you have if it’s still open for a 6 months so build some history.

[Anonymous]

Thanks @shadowfactor.

Yes, the card is still open and actually just looked it up and I was approved for the card on 11/13/17. I thought I was beyond using it to make the $150 SUB. I didn't want to have spend on too many cards at once. I try to not use more the two at the same time, pay one completely in full and leave a few $ on one to post so that I show some util. in the month of December I put over $3500 through my NFCU Flagship Siggy and just got my Amex PRG and within the first 10 days put the $2K through that I needed for the 25,000 points and now working on my new Amex Gold Delta Skymiles. Half way to my 35,000 points in two weeks of having the card.

The balancing act is the hardest part! I have to see if I can get the $500 spend through the US Bank card now for the $150! Do they allow multiple payments in a month?

[Shadowfactor]

Yes they allow multiple payments a month.
The only credit card I’ve had that doesn’t allow it, is credit one. They allow 4 pulled payments.

USB doesn’t care. I’ve made 3 payments in a day. You can transfer money instantly to your credit card if you bank with them. But they won’t let you exceed the balance like that.
You can exceed the balance and prepay if you do pull payments, even if you bank with them. It takes a day to reflect on the account. They allow credit line padding like that as well. Ive overpaid by 400 before and was given a 5400 credit line until I used it.
I wouldn’t do it very often but it’s possible.

[Anonymous]

Thank you, that's helpful. Because I basically SDd the card, I thought I was past the time to reap the sub, but I actually have about two weeks to get it done! Don't want to lose the $150! :-)

[Viva-LV]

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wrote:
Is the card even still active and open ?

I have 2 US bank Credit cards. So I know that’s possible.

They are a relationship bank, so if you have ample assets and income and bank with them. They will open up
US bank is very conservative when it comes to lending.

If you don’t want another toy limit, I suggest using the card you have if it’s still open for a 6 months so build some history.

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+1!  Put some use on the Cash +, its a great card.  It will grow with use.  I have 4 cards with USB.