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I am very intrigued by this card. I was planning to app for the Citi Prestige later this year but I might do this one instead (or both). For me, I guess it depends what they mean by existing customer. I recently got the Business Edge Cash WEMC for $25k (may more than expected) after they sent a pre-approval so I'm hoping that counts. I don't think I'd be interested in maintaining a checking account with them for a card though.
I do think the features are awesome and I'd definitely get a lot of value from it until (given their history) they nerf it.
@yfan wrote:
At first glance, this card looks really attractive. The real barrier, imo, is the fact that you have to be an existing US Bank customer to even apply, however. To do this without paying a fee, the requirement at minimum is to either tie up $1500 or put a $1000 direct deposit every month. Featurewise, the bank accounts are lackluster at USB, and fees when they have to be paid are higher.
I'm not willing to tie up money in a bank account just to get a credit card, no matter how good it looks.
US Bank Checking Accounts are many and the option/fees are not much different than Bank of America, Chase and Citi. The Gold Checking Account is fee less for many things if you have a credit product.
https://travelafterwork.com/en/2017/04/18/details-u-s-bank-altitude-reserve-visa-infinite-card/
http://www.doctorofcredit.com/confirmed-details-regarding-u-s-banks-altitude-premium-visa-infinite-c...
Full details! So excited. Going to app as soon as I clear up utilization for this upcoming reporting month. Just got an auto CLI on my Cash+ as well, so I hope that means US Bank likes me
@yfan wrote:
At first glance, this card looks really attractive. The real barrier, imo, is the fact that you have to be an existing US Bank customer to even apply, however. To do this without paying a fee, the requirement at minimum is to either tie up $1500 or put a $1000 direct deposit every month. Featurewise, the bank accounts are lackluster at USB, and fees when they have to be paid are higher.
I'm not willing to tie up money in a bank account just to get a credit card, no matter how good it looks.
I will note your relationship doesn't have to be a deposit account, if you have any of their credit cards already you are considered having a relationship with the bank.
@Anonymous wrote:
@yfan wrote:
At first glance, this card looks really attractive. The real barrier, imo, is the fact that you have to be an existing US Bank customer to even apply, however. To do this without paying a fee, the requirement at minimum is to either tie up $1500 or put a $1000 direct deposit every month. Featurewise, the bank accounts are lackluster at USB, and fees when they have to be paid are higher.
I'm not willing to tie up money in a bank account just to get a credit card, no matter how good it looks.US Bank Checking Accounts are many and the option/fees are not much different than Bank of America, Chase and Citi. The Gold Checking Account is fee less for many things if you have a credit product.
Right, but none of those are good bank accounts either. I believe yfan uses CCU which gives 4.5+% interest with a $1000 a month spend on their cc.
And here I was contemplating closing my Cash+ today. If I am able to do a product change to this card, I may have found an answer to my CSR problem.
@Schwartzinator wrote:And here I was contemplating closing my Cash+ today. If I am able to do a product change to this card, I may have found an answer to my CSR problem.
PC not available. Maybe in the future but they want new apps at launch
@morgacj2004 wrote:
Just curious does anyone know what US Bank policy is on BK still reporting. ? I read somewhere 5 yrs post discharge? Other posters have said no go until BK drops off
4 years post BK and they want low utilization.