+1 we really should start a HOW TO GET THE CASH + Card....charrel2 you are asking exactly what I want to know also...lots of questions about the "area" you live in versus the area that US Bank has branches in - some people call in direct, some call a branch, some say they got approved with a phone call, but don't say whether they live in the "service area" so yeah THEY probably can apply by phone.....and then there are just the CR info, like you said score, who do they pull etc.....
I live in south florida, fort lauderdale, nearest branch is 1000 miles away, I have no relationship with US Bank, I apped over the phone, just called in and asked if I can and the rep said, yes, for sure, we proceded and it took less then 10 mins, I was approved for $7500 CL, they pulled equifax for me, my equifax was at 736.
some people have not been able to app over the phone for some reason, I say, if they say no, just hang up and call again, it can be done over the phone. YOU DO NOT HAVE TO APPLY IN BRANCH.
the apr is like 15% and there is no af.
@user5387 wrote:
@cbarret2 wrote:I want a little guidance on how I can go about getting this card. The time frame and specific steps I could take to increase my chances of approval and when is the best time to apply (score wise)?
FICO Scores:
Experian: 684
Equifax: 656
TransUnion: 653
I recently applied for the Cash+. Here is some additional information.
1. AF is $0, APR is 13.99% to 23.99%, FETF is 3%, penalty rate is N/A, overlimit is N/A, BT rate is 3% / 0% (6-9 months), cash advance rate is 4% / 23.99%.
2. Min CL is $5K, and they like to see some experience with higher CLs.
3. Min income is $30K.
4. Hard pull of EX where I live (Colorado).
5. If rejected, then automatically considered for 1% cashback card. If approved for this card, there's no magic way to refuse it and back out the hard pull and new tradeline from your report.
6. Need to apply in branch. Experiences with applying by phone are quite variable.
I wouldn't recommend applying for this card unless you're in the ballpark. There's a good chance that you may be stuck with a lesser card that you don't want, and there are other similar choices out there like the Sallie Mae card.
Based on your scores and CLs, I would probably wait a while before applying.
+1 ... I agree exept for #6 it is better if you can app in branch but if your not near one you CAN app over the phone, I did in november of this year.
your scored do need to be a little higher at least near or above 700 becuase if you dont get approved for the cash+ the 1% card really stinks, its like you have to make sure you will be able to get the cash+ so I would say at least 700 plus on the scores and at least 1 CC with $5000+ before you apply.
@slap_happy wrote:I live in south florida, fort lauderdale, nearest branch is 1000 miles away, I have no relationship with US Bank, I apped over the phone, just called in and asked if I can and the rep said, yes, for sure, we proceded and it took less then 10 mins, I was approved for $7500 CL, they pulled equifax for me, my equifax was at 736.
some people have not been able to app over the phone for some reason, I say, if they say no, just hang up and call again, it can be done over the phone. YOU DO NOT HAVE TO APPLY IN BRANCH.
the apr is like 15% and there is no af.
This is a YMMV, there have been more than a few who have tried and either were approved with another product or were denied.
I can recall one poster who received a FlexPerks because they lived in NJ and another from Texas, that took the HP only to receive a letter stating the account could not be opened.
