@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
I tried for the US Bank Cash+ card and barely got in the door with a $1000 limit standard cash rewards card instead.
I want to grow the card and PC to the cash+ as quickly and efficiently as possible. What utilization does US Bank like to see, and when should I try for a CLI? I understand it will probably take a few years.Got mine in summer of '13, and the only usage it's seen is auto billing for Sirius xm every month ($17…). Never did any other charges with it, nor any CLI requests... It's grown from $4.5k (if I remember correctly) to $13.5k, just off $17 a month.
Out of curiosity, does Sirius fall into a bonus category? I only have my ATT bill set to go to it, but my car has maps/wifi via T-mobile and I did a one time charge and was happy to see that it did hit the bonus category (guess it billed as T-mobile, not Audi). I wouldn't think Sirius would fall into that, but I figure it's worth asking since you mentioned it.
I've got a plain Jane vanilla US Bank card.
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
I tried for the US Bank Cash+ card and barely got in the door with a $1000 limit standard cash rewards card instead.
I want to grow the card and PC to the cash+ as quickly and efficiently as possible. What utilization does US Bank like to see, and when should I try for a CLI? I understand it will probably take a few years.Got mine in summer of '13, and the only usage it's seen is auto billing for Sirius xm every month ($17…). Never did any other charges with it, nor any CLI requests... It's grown from $4.5k (if I remember correctly) to $13.5k, just off $17 a month.
Out of curiosity, does Sirius fall into a bonus category? I only have my ATT bill set to go to it, but my car has maps/wifi via T-mobile and I did a one time charge and was happy to see that it did hit the bonus category (guess it billed as T-mobile, not Audi). I wouldn't think Sirius would fall into that, but I figure it's worth asking since you mentioned it.
I've got a plain Jane vanilla US Bank card.
Ah thanks. Assumption on my part.
Only bonus I get is a utilization buffer.. Lol
@sosabe77 wrote:
@Ghoshida wrote:
Up to $1500 SP CLI every 6 months. Use the card as good as you can. Reported Utilization overall should be 10% or less. But that's a general guideline.I actually requested a $1500 CLI after 6 months because of this "rule"...I got the CLI but got hit with an HP too. For all of that, I should have just requested more lol.
I put a lot of fast food and electronic store volume through that card (5% categories) and pay my balance off in full every month. I was surprised they still dinged me with the hardie.
That is strange! Well, I guess it's always YMMV but I went for 4X SP CLIs on my 4 cards with them this month. $1,500 on each and it went through, no problem. Last month, I had tried 2X $2k CLIs and both returned empty; some weird language on their mailer. That came from me keeping reports frozen, I guess.
Apart from this round of SP CLIs, I've also had a previous round where I got $1.5k on my first Cash+ and $2k on the REI (then Visa). Never had any luck with auto CLIs; the REI (the oldest) was a good candidate (no SP CLIs for a year) but my credit was in the mid-high 600s then. After getting the Cash+, I've triggered SPs every 6+ months.
You can definitely wait around for some auto love but I'm a bit impatient; also when you're gardening (and your reports are frozen), it's difficult to not fiddle with the CLI buttons every once in a while 
BTW the last CLI was with my EX unfrozen for the AMEX PRG app. I wasn't sure if it's going to be an SP. Checked EX today (the CLI was last week) and still no HP from US Bank; so I guess it went fine.
Couple of questions: (1) Have you tried the online link for CLIs or did you call in? (2) Have you tried CLIs with reports on ice?
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
I tried for the US Bank Cash+ card and barely got in the door with a $1000 limit standard cash rewards card instead.
I want to grow the card and PC to the cash+ as quickly and efficiently as possible. What utilization does US Bank like to see, and when should I try for a CLI? I understand it will probably take a few years.Got mine in summer of '13, and the only usage it's seen is auto billing for Sirius xm every month ($17…). Never did any other charges with it, nor any CLI requests... It's grown from $4.5k (if I remember correctly) to $13.5k, just off $17 a month.
Out of curiosity, does Sirius fall into a bonus category? I only have my ATT bill set to go to it, but my car has maps/wifi via T-mobile and I did a one time charge and was happy to see that it did hit the bonus category (guess it billed as T-mobile, not Audi). I wouldn't think Sirius would fall into that, but I figure it's worth asking since you mentioned it.
I've got a plain Jane vanilla US Bank card.
Ah thanks. Assumption on my part.
Only bonus I get is a utilization buffer.. Lol
Well, you could call and ask to have the Platinum card converted to a Cash+. Its pretty easy to do. and you get to keep the low APR.
@Themanwhocan wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
I tried for the US Bank Cash+ card and barely got in the door with a $1000 limit standard cash rewards card instead.
I want to grow the card and PC to the cash+ as quickly and efficiently as possible. What utilization does US Bank like to see, and when should I try for a CLI? I understand it will probably take a few years.Got mine in summer of '13, and the only usage it's seen is auto billing for Sirius xm every month ($17…). Never did any other charges with it, nor any CLI requests... It's grown from $4.5k (if I remember correctly) to $13.5k, just off $17 a month.
Out of curiosity, does Sirius fall into a bonus category? I only have my ATT bill set to go to it, but my car has maps/wifi via T-mobile and I did a one time charge and was happy to see that it did hit the bonus category (guess it billed as T-mobile, not Audi). I wouldn't think Sirius would fall into that, but I figure it's worth asking since you mentioned it.
I've got a plain Jane vanilla US Bank card.
Ah thanks. Assumption on my part.
Only bonus I get is a utilization buffer.. Lol
Well, you could call and ask to have the Platinum card converted to a Cash+. Its pretty easy to do. and you get to keep the low APR.
Didn't the + card get severely nerfed?
Second point: Why? Only reason I took the US card was for utilization buffering during my rebuild days.
Literally, it gets used for $17. No more, no less.
@Burned2manybridgesB4 wrote:
@Themanwhocan wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
@Burned2manybridgesB4 wrote:
@Anonymous wrote:
I tried for the US Bank Cash+ card and barely got in the door with a $1000 limit standard cash rewards card instead.
I want to grow the card and PC to the cash+ as quickly and efficiently as possible. What utilization does US Bank like to see, and when should I try for a CLI? I understand it will probably take a few years.Got mine in summer of '13, and the only usage it's seen is auto billing for Sirius xm every month ($17…). Never did any other charges with it, nor any CLI requests... It's grown from $4.5k (if I remember correctly) to $13.5k, just off $17 a month.
Out of curiosity, does Sirius fall into a bonus category? I only have my ATT bill set to go to it, but my car has maps/wifi via T-mobile and I did a one time charge and was happy to see that it did hit the bonus category (guess it billed as T-mobile, not Audi). I wouldn't think Sirius would fall into that, but I figure it's worth asking since you mentioned it.
I've got a plain Jane vanilla US Bank card.
Ah thanks. Assumption on my part.
Only bonus I get is a utilization buffer.. Lol
Well, you could call and ask to have the Platinum card converted to a Cash+. Its pretty easy to do. and you get to keep the low APR.
Didn't the + card get severely nerfed?
Second point: Why? Only reason I took the US card was for utilization buffering during my rebuild days.
Literally, it gets used for $17. No more, no less.
So it was nerfed. So now its just a terrific 5% cash back card with selectable categories.
For example, select Sporting Goods Stores and get 5% cash back at Gander Mountain, Cabelas, Bass Pro Shops, Packers Pro Shop, REI, Sierra Trading Post, Sports Chalet, etc, etc. And thats just one of your two 5% categories. It sure beats getting 1% on a Gander Mountain card.
And its a nice looking Blue card. Shiny...