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https://cashplus.usbank.com/index.cfm/main/categories/demo/true
this card looks awsome, any info about the approval conditions?
Dunno, most cards don't have the things you list, but the ability to tailor my rewards profile to what my planned expenses will be on a quarter by quarter basis... that's pretty darned impressive.
I know I'm in no way qualified for any US Bank product beyond their secured; however, this card obviates the need for likely two rewards cards from other lenders. I wonder if more lenders will come to adopt this particular strategy as I think it's exceptionally smart for customer acquisition and retention, any idea how long they've been offering this card?
I was on a chat with a CSR, he said that the minimum income is 15k but it is still not easy to get because of the other factors. He said if you don't qualify for this card we will consider the visa card (not signature) for you which has a flat 1% cash back
They are extremely conservative/picky (can't fault them) about anything negative. I've had a secured card with them for literally about 4 years now and they still refuse to convert it to unsecure because they only look at my credit report and not payment history. Unfortunately for me my credit isn't "perfect" because of old medical debts that come from a bad time financially about 6-7 years ago.
They aren't a bad bank overall. As said, I can't fault them for being very conservative but the benefits are great if you can get the card.
Did you guys see it comes with a free Experian credit score?
Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.
I chatted with a CSR and they said you can still apply if there are no branches in your state. Wikipedia has a map of branches. Haven't applied yet though I'm definitely planning to... This is a great card.
@darkpearl wrote:Did you guys see it comes with a free Experian credit score?
Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.
Did they say if that is a FICO score?
I believe it is Experian score is a FAKO Plus score. So no big deal. Trust me, if it was FICO, it would say it with a nice copyright notice.
@darkpearl wrote:Did you guys see it comes with a free Experian credit score?
Experian® Credit Score – Internet Banking customers receive their Experian credit score at no cost.
I chatted with a CSR and they said you can still apply if there are no branches in your state. Wikipedia has a map of branches. Haven't applied yet though I'm definitely planning to... This is a great card.
That a nice perk, just be aware that it is not a FICO score....