us bank shopper cash rewards

[Anonymous]

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@kilroy8 wrote:

Um, congrats on your new card.

My experience - had the same SL with my Cash+. Got into a staring match with them over CLI, I would lock reports, ask for CLI, they would try HP, it would fail of course. They said "no CLI for you with no HP". Did this a few times over two years, finally let them do HP and got $10K limit as a result.

They are tough cookies.

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Jesus...wonder if my CFF would be like that..

You mean your limit jumped from 500 to 10k in ONE leap in 2 years??!! 

[fullacrobat5]

Congratulations on your us bank shopper cash rewards card approval!!

[Anonymous]

@Jccflat

Reading around this Forum, some posters in this situation reconned with US Bank on the initial CL and a manual review was done (if they did not already do one).

Suspect they would do another hard inquiry (not positive). If I recall, success usually made the effort worth it.

As has been stated up post, US Bank is good once they know the person but if no experience, they are often tough.

In virtually all credit card applications, once you apply an inquiry hard or soft is placed in a person's credit file. Whether you activated the card, close the card or just did nothing, the mark is in the credit bureaus.

[PullingMeSoftly]

Regardless of the SL, congrats @Jccflat! I would contact their UW via the backdoor # listed in applications as soon as you have a chance. I had a somewhat similar experience when I was recently approved for the Connect (my approval thread here) just a couple weeks ago. In my case they gave me $5k initially, when I have numerous other 25k cards, including a GO with 25 and a Cash+ with 20. I had a very positive interaction with a credit review specialist who was able to bump me up for the cost of an HP. You might also have the same experience, so may as well have it reviewed.

[cashorcharge]

I hear ya...$500 is really minor.  I'd be curious why.

WooHoo!! Congratulations on your USBank Approval!!👏🏼🍾🥂

I will say though...I am curious to know if the LED light on the card really lights up when you use tap to pay

https://www.doctorofcredit.com/u-s-bank-to-launch-shopper-cash-rewards-card-6-back-on-select-retaile...

[spiritcraft1]

That really blows.  They should have a minimum SL for an annual fee card.   As it sits, the annual fee is 20% of the credit line like some predatory starter card.  I would tell them that.  Good luck!

[Remedios]

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@spiritcraft1 wrote:

That really blows.  They should have a minimum SL for an annual fee card.   As it sits, the annual fee is 20% of the credit line like some predatory starter card.  I would tell them that.  Good luck!

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There is cap for AF/fees. They cannot exceed 25% of the limit and $95 isn't exceeding it when limit is $500.

The more you know 🌈🌈🌈

[Pizzarina_Sbarro]

Last year I reconned a $500 starting limit with U.S. Bank to $4,000. It was my first card with them and I was on a spree so I don't blame them for being cautious lol. But I asked for a manual review and explained that I had a lot of expenses coming up for Christmas and had family in town and paying for dinner for like 6+ people for a week would be challenging with the limit I was given. I was feeling daring and decided the hard pull was worth it, but your mileage may vary. (Especially since some lenders seem skittish lately) There is also an option to request a CLI on the app and that was a soft pull for me, but I don't remember that option being available when my account was newer so there may be some sort of limit (e.g. can't request it before 6 months or a year). Good luck!

[KingRue8500]

Congrats on your U.S. Bank Shopper Cash Rewards approval

[NoMoreE46]

LED pilot program  huh...

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@cashorcharge wrote:

I hear ya...$500 is really minor.  I'd be curious why.

WooHoo!! Congratulations on your USBank Approval!!👏🏼🍾🥂

I will say though...I am curious to know if the LED light on the card really lights up when you use tap to pay

https://www.doctorofcredit.com/u-s-bank-to-launch-shopper-cash-rewards-card-6-back-on-select-retaile...

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