Dumping US Bank Cash+ and LOC cards

[Imhotrodcrazy]

I have been a customer of US Bank for about 25 years and I have always praised their business practices.  However,  over the last 2-3 months the customer relations department has become more than I can handle or tolerate.  For reasons I won't dwell on today,  they have not only lied to me once,  or twice,  but three times and I will not tolerate it.   I will not deal with people I can't trust anymore.  Come Monday,  I will be closing my Cash + card of 20k and my LOC of 15K.  I will still have plenty of credit with my Amex and Chase for now.  Not sure if I will go after other cards to replace the ones I am closing.  It's a shame that US Bank seems to be so poorly run as of late.  I hope I can build another good relationship in town with another bank in the coming years.  I do not care to just sd the cards,  I just want them gone.  I don't need to worry about utility since I always PIF.   I don't even feel bad about closing 35k of credit lines. 

[trumpet-205]

Their online support is non-existent. I once sent a support ticket, never heard anything from them since then.

[youdontkillmoney]

you certainly are in a position of strength to close your accounts.

[Glkslngr]

That's disappointing to hear as I was hoping to app with them come February. Customer service is definitely a priority to me. Sorry to hear you had some bad experiences. Sounds like they lost a valued customer!

[VinnyofLegend]

Found your thread. Very surprising to hear all of this. Their online banking/management needs some improvements but I haven't had any issues. The Cash+ is my favorite card. Been thinking of how I want to get a second one actually!

[lexrjSD]

---

@Imhotrodcrazy wrote:

I have been a customer of US Bank for about 25 years and I have always praised their business practices.  However,  over the last 2-3 months the customer relations department has become more than I can handle or tolerate.  For reasons I won't dwell on today,  they have not only lied to me once,  or twice,  but three times and I will not tolerate it.   I will not deal with people I can't trust anymore.  Come Monday,  I will be closing my Cash + card of 20k and my LOC of 15K.  I will still have plenty of credit with my Amex and Chase for now.  Not sure if I will go after other cards to replace the ones I am closing.  It's a shame that US Bank seems to be so poorly run as of late.  I hope I can build another good relationship in town with another bank in the coming years.  I do not care to just sd the cards,  I just want them gone.  I don't need to worry about utility since I always PIF.   I don't even feel bad about closing 35k of credit lines. 

---

I was thinking about getting the Cash Plus, were you dealing with them over the phone or at a branch?

[HiLine]

---

@VinnyofLegend wrote:

Found your thread. Very surprising to hear all of this. Their online banking/management needs some improvements but I haven't had any issues. The Cash+ is my favorite card. Been thinking of how I want to get a second one actually!

---

Different people have different priorities. You'd probably have a different point of view if you valued customer service higher than spending rewards.

[Anonymous]

---

@HiLine wrote:

---

@VinnyofLegend wrote:

Found your thread. Very surprising to hear all of this. Their online banking/management needs some improvements but I haven't had any issues. The Cash+ is my favorite card. Been thinking of how I want to get a second one actually!

---

Different people have different priorities. You'd probably have a different point of view if you valued customer service higher than spending rewards.

---

+1   Right, and these are all individual experiences with individual CSRs (and supervisors etc).   I almost never need to contact the CCC so I don't make this a high priority (taking the chance that if things go seriously wrong it can get resolved!).   

People tend to pay more attention to individual stories of people you know (even if that "knowing" is merely an anonymous poster on an internet forum) even if that doesn't make too much sense.  For the broader picture, look at the most recent JD Powers survey, http://www.jdpower.com/press-releases/2014-us-credit-card-satisfaction-study, where US Bank rates lower than Amex, Chase, Discover and Barclays, but above BoA, Cap One, Wells Fargo and Citi.   These larger surveys are better at answering "How likely I am to have a good experience?" than individual posts.

[VinnyofLegend]

---

@Anonymous wrote:

---

@HiLine wrote:

---

@VinnyofLegend wrote:

Found your thread. Very surprising to hear all of this. Their online banking/management needs some improvements but I haven't had any issues. The Cash+ is my favorite card. Been thinking of how I want to get a second one actually!

---

Different people have different priorities. You'd probably have a different point of view if you valued customer service higher than spending rewards.

---

+1   Right, and these are all individual experiences with individual CSRs (and supervisors etc).   I almost never need to contact the CCC so I don't make this a high priority (taking the chance that if things go seriously wrong it can get resolved!).   

People tend to pay more attention to individual stories of people you know (even if that "knowing" is merely an anonymous poster on an internet forum) even if that doesn't make too much sense.  For the broader picture, look at the most recent JD Powers survey, http://www.jdpower.com/press-releases/2014-us-credit-card-satisfaction-study, where US Bank rates lower than Amex, Chase, Discover and Barclays, but above BoA, Cap One, Wells Fargo and Citi.   These larger surveys are better at answering "How likely I am to have a good experience?" than individual posts.

---

+1 your +1 I actually highly value customer service and I've had to call US Bank more often for information because of features not available or issues with the website  but so far they've always been able to help.

[Themanwhocan]

http://ratings.jdpower.com/finance/ratings/909201919/2014-U.S.+Credit+Card+Satisfaction+Study/index....

Though their ratings don't make sense. US Bank has average credit card rewards (3 of 5), but Discover gets rated as one of the best (5 of 5)? Is there another Discover credit card company that I'm not aware of?