US Bank Connect PC Experience

simplynoir · ‎05-18-2022

Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice

kilroy8 · ‎05-18-2022

Thanks Simply!

What were the two discarded card choices?

xenon3030 · ‎05-18-2022

Thanks. I assume the other two no AF cards are altitude Go and platinum. Otherwise, please update. I plan to PC this card soon.

Here are more questions:

After receiving the AF notification, how long do we have to request PC to avoid paying AF or reimburse it (US Bank may allow >1m)?
Also, is it feasible to upgrade it to Altitude Reserve (with SUB)?

PS: My Connect card is by chance plastic. Not sure the benefit of metallic cards (maybe for environment), but they make the wallet heavy.

Fico8: EX~EQ~TU~840 (12 month goal~850).
BOA (CCR, UCR), Chase (CFF, CSP, Amazon, CIC, CIU), US Bank (Cash+, AR, Go, Ralphs), Discover, Citi (CCC, DC, SYW), Amex (BCP, HH, Biz Gold, BBC, BBP), Affinity CR, Cap1(Walmart), Barclays View.

simplynoir · ‎05-19-2022

@kilroy8 wrote:
Thanks Simply!

What were the two discarded card choices?

Altitude Go and Visa Platinum were the other two choices. She did tell me if I decided on Platinum I would be taken out of the rewards program which was unnecessary but appreciated

simplynoir · ‎05-19-2022

@xenon3030 wrote:
Thanks. I assume the other two no AF cards are altitude Go and platinum. Otherwise, please update. I plan to PC this card soon.

Here are more questions:
After receiving the AF notification, how long do we have to request PC to avoid paying AF or reimburse it (US Bank may allow >1m)?
Also, is it feasible to upgrade it to Altitude Reserve (with SUB)?
PS: My Connect card is by chance plastic. Not sure the benefit of metallic cards (maybe for environment), but they make the wallet heavy.

Yes, the other choices were the ones you mentioned. I am presuming you have a month from when it is posted to get the full refund for the AF. The reason I say this is because when I called back to ask about it the agent said I would still have to pay it even with the PC. When I made it a little clearer it just posted the day before and didn't mind paying the balance she placed me on hold to ask her supervisor. She came back and said it would automatically be refunded. If you plan to hold on to the card beyond the billing statement the AF posted for whatever reason I would ask them to get clarification on that question

If you plan to upgrade it to the Reserve I am pretty confident you will forfeit the SUB doing so just like I am forfeiting the Cash+ SUB with my product change. Only way I have seen upgrades coming with a SUB is AMEX with their upgrade offers. Other banks AFAIK have you not be eligible for the sign up bonus

UncleB · ‎05-20-2022

@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice

This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.

simplynoir · ‎05-20-2022

@UncleB wrote:
@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice
This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.

@UncleB, yes I would wait til the AF posts before asking for the PC. To be honest I had forgotten about the AF coming up on the Connect til I saw it post when checking my Socks Bank cards online, so it wasn't even an option for me. It might be possible to do it before it posts but better to play it safe. That is unless you want to become a datapoint for us all lol

UncleB · ‎05-20-2022

@simplynoir wrote:
@UncleB wrote:
@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice
This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.
@UncleB, yes I would wait til the AF posts before asking for the PC. To be honest I had forgotten about the AF coming up on the Connect til I saw it post when checking my Socks Bank cards online, so it wasn't even an option for me. It might be possible to do it before it posts but better to play it safe. That is unless you want to become a datapoint for us all lol

Nope, I have no desire to become a unique data point in this instance, LOL. I think I'll just stick to what's tried-and-true, and hope for the same results you had!

simplynoir · ‎05-20-2022

@UncleB wrote:
@simplynoir wrote:
@UncleB wrote:
@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice
This is great info... looks like I'll be making a phone call next week.

I've not heard of USBank getting cross with a pre-AF PC request like Amex is known to do, but I'm assuming better safe than sorry in this case? My statement closes (and AF will be charged) on 5/25.
@UncleB, yes I would wait til the AF posts before asking for the PC. To be honest I had forgotten about the AF coming up on the Connect til I saw it post when checking my Socks Bank cards online, so it wasn't even an option for me. It might be possible to do it before it posts but better to play it safe. That is unless you want to become a datapoint for us all lol
Nope, I have no desire to become a unique data point in this instance, LOL. I think I'll just stick to what's tried-and-true, and hope for the same results you had!

Let us know if you are successful as well 🦦

ptatohed · ‎05-21-2022

@simplynoir wrote:
Wanted to share my experience with product changing the US Bank Connect card earlier today since I couldn't find any about it. Figure it would interest a few people who might benefit

The plan was always to PC the card to the Cash+ and didn't know what hurdles, if any, there would be doing that. Annual fee posted yesterday so called in and asked agent if I could change the card to a no annual fee card. She checked and provided three choices with one of them being the Cash+. She had to read a quick disclaimer that the number would change, they would send a post paid envelope to send the Connect back to be destroyed since it is metal-ish, and could not change it back once processed. After I said yes she confirmed change and new card would be in the mail in 7-10 days. After hanging up I did have to call back to see if the AF would be refunded and after a quick hold to double check the agent confirmed it would be refunded

All and all a relatively quick and painless process which is always nice

Good decision. I break out in hives over annual fees.

[ Signature in dire need of updates. It's on my to-do list.

]

5% CB rotating:

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Everyday 3% CB:

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Everyday 5%:

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Companion Card:

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Everyday 2.2% CB:

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Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo):

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On my radar:

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Still Waiting for an Invite:

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No hope: