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Welcome to US Bank (Cash Plus)

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expatCanuck
Super Contributor

Welcome to US Bank (Cash Plus)

Well, I think I was just approved for a Cash Plus.

 

Final approval / card to arrive in 7-10 days (there was legalese allowing them further review), but the web site did provide a CL (8.5K) and an APR (their lowest).  Figured I'd slip in before last week's Savor One reports.  (I note parenthetically that USBank was 70% more generous than Cap1.)

 

I live in VA; they pulled EQ.

 

0/6 | 1/12 | 9/24 // FICO 8's currently 827-833 (I think EQ is 830).  From memory, EQ had 9 or 10 INQs in the past two years -- 3 in the past 12 months, 1 in the past 6. Income plenty adequate.

 

If it holds, this puts me over the 250K mark.

 

 

I think I can stop now.  Only Chase Freedom is left -- I'll be 4/24 by Feb '21 3/24 by Nov '20.

(Edited to correct earlier bad math. 

Bad math!  Bad Math!)


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 1 of 28
27 REPLIES 27
Remedios
Credit Mentor

Re: Welcome to US Bank (Cash Plus)

Congrats, @expatCanuck !

Message 2 of 28
Drwaz99
Established Contributor

Re: Welcome to US Bank (Cash Plus)

Niiice! Congrats!

Message 3 of 28
Rebuild2019
Valued Contributor

Re: Welcome to US Bank (Cash Plus)

Congrats 🎊🎈🎉 on your approval!

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 4 of 28
calyx
Super Contributor

Re: Welcome to US Bank (Cash Plus)

Congrats, @expatCanuck !

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 5 of 28
VanderSnoot
Established Contributor

Re: Welcome to US Bank (Cash Plus)

Congrats, Canuck. I like the changes to your signature. How will you while away the next 15 months?
Message 6 of 28
expatCanuck
Super Contributor

Re: Welcome to US Bank (Cash Plus)

Thanks, @calyx.

 

Enjoying the @'s, I see. Smiley Wink


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 7 of 28
expatCanuck
Super Contributor

Re: Welcome to US Bank (Cash Plus)


@Remedios wrote:

Congrats, @expatCanuck !


Thanks, Remmie ,(Remmy?)!

 

At some point, perhaps we can discuss the relative merits of the precious over the CSR?


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 8 of 28
expatCanuck
Super Contributor

Re: Welcome to US Bank (Cash Plus)


@VanderSnoot wrote:
Congrats, Canuck. I like the changes to your signature. How will you while away the next 15 months?

Thanks. I expect to be performing at open mics, posting in the Garden thread, and updating my signature.


2023 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 12-Feb-2024 ]
EQ8415 INQ (Auto, CC, HELOC, 2 mort)7y2m
EX8125 INQ (2 CC, 2 mort, HELoan)6y11m
TU8294 INQ (3 CC, 1 mort)6y6m
5/243/12AoYA 0m | AoOA 23y6m~3%
Message 9 of 28
simplynoir
Community Leader
Mega Contributor

Re: Welcome to US Bank (Cash Plus)

Congrats there, @expatCanuck! 🍸

Message 10 of 28
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