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US Bank Cash+ APPROVAL!!!

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degs138
Established Contributor

US Bank Cash+ APPROVAL!!!

It took some recon and two application and they pulled both TU and EQ but I finally got the card.  This was the card I first eyed when I started using credit.  Didn't want to apply till I knew I had a shot.

 

 

My fico 8 at time of approval was TU 758 and EQ 740.  They pulled other scores which were lower.  707 and 701 respectivly.

 

First application was approved for a 500 Cash Rewards visa.  I called and told them they can keep it and that I'm only interested in the cash plus.  They put in a 5k CLI request and I called back 2 days later.  The request was approved and I asked to PC to Cash+.  Rep said they can't PC but I can apply again and they can note to use the 5k CL as a transfer for the application to Cash+

 

called back today and they said i was approved for a 6k CL for the Cash+ card.  Score!

 

Perfect timing because I was going to buy some furnature and now I get 5% off.

 

 


FICO TU 757 Eq 741 116,900 Total revolving Credit.
Favorite cards: AMEX BCP, US Bank Cash+, Chase Sapphire Prefered
Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: US Bank Cash+ APPROVAL!!!

congrats again! 

 

I'm hoping they will let me move the limit from my Skypass card over to Cash Rewards and PC it into Cash+ later this year as the Cash+ really is an amazing card to have in any rewards arsenal Smiley Happy

Message 2 of 12
Anonymous
Not applicable

Re: US Bank Cash+ APPROVAL!!!

Nice, congrats on the approval !

Message 3 of 12
RonM21
Valued Contributor

Re: US Bank Cash+ APPROVAL!!!

Congrats!!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 4 of 12
alextercero
Super Contributor

Re: US Bank Cash+ APPROVAL!!!

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)


Credit Age:

Inquiries:

Message 5 of 12
CreditMagic7
Mega Contributor

Re: US Bank Cash+ APPROVAL!!!

Nice landing. Congrats!

Message 6 of 12
Anonymous
Not applicable

Re: US Bank Cash+ APPROVAL!!!

Congrats!  Glad you were able to get what you wanted!  Enjoy the card Smiley Happy

Message 7 of 12
coldnmn
Mega Contributor

Re: US Bank Cash+ APPROVAL!!!

Congrats! Mine started at $5,500 with auto CLI by treating US Bank right, they have been very
generous. They have tightened up on the Cash+ rewards but still a great card in my opinion!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 12
Anonymous
Not applicable

Re: US Bank Cash+ APPROVAL!!!

Excellent! Enjoy the new furniture.

Message 9 of 12
NRB525
Super Contributor

Re: US Bank Cash+ APPROVAL!!!


@degs138 wrote:

It took some recon and two application and they pulled both TU and EQ but I finally got the card.  This was the card I first eyed when I started using credit.  Didn't want to apply till I knew I had a shot.

 

 

My fico 8 at time of approval was TU 758 and EQ 740.  They pulled other scores which were lower.  707 and 701 respectivly.

 

First application was approved for a 500 Cash Rewards visa.  I called and told them they can keep it and that I'm only interested in the cash plus.  They put in a 5k CLI request and I called back 2 days later.  The request was approved and I asked to PC to Cash+.  Rep said they can't PC but I can apply again and they can note to use the 5k CL as a transfer for the application to Cash+

 

called back today and they said i was approved for a 6k CL for the Cash+ card.  Score!

 

Perfect timing because I was going to buy some furnature and now I get 5% off.

 

 


Congratulations, and thanks for sharing your experience in the recon sequence!

 

You should keep that Cash Rewards card open, and use it lightly for a while. Eventually, it will be able to PC into a second Cash+ for you, then you get 2 2% categories and 4 5% categories to work with.

 

And +1 to ColdMN, the auto CLI will likely come along about 10 months in. They did for me.

 

Good luck!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 10 of 12
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