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US Bank Connect PC Experience

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UncleB
Credit Mentor

Re: US Bank Connect PC Experience


@NoHardLimits wrote:

@NoHardLimits wrote:

I have a new data point for Altitude Connect PCs.

 

After my $95 annual fee posted last week, I called the phone number on the back of my Connect Card.  After less than a minute on hold, I was connected to a very pleasant customer service rep.  I explained that since I now had the Altitude Reserve card, I was no longer getting enough value out of the Connect to justify the $95 fee.  I asked if there were no annual fee cards that I could product change to and was presented with Platinum, Altitude Go, and Cash+ as my choices.  I chose to PC to Cash+ (which was the plan from the beginning).

 

The CSR read off a number of disclosures and confirmed that I understood them.  I inquired about the $95 annual fee, and she responded that it would be reversed.  The remaining rewards balance would be redeemed and issued as a statement credit.  I asked if the card number would stay the same, but she said it would change.  She then processed the PC and said that I should receive my new card in 7-10 days.

 

Day of PC:  Website showed my credit limit intact, but my rewards balance dropped to zero with a status of "redeemed".

PC +1 day:  Website card graphics reflected the new Cash+ product.  Received text message to inform me that I would need to re-enroll in Real Time Rewards.  Was able to re-enroll online.

PC +2 days:  Redeemed rewards posted as a statement credit.  5% categories available for me to select online.  The last 4 digits of the new account number were displayed.

PC +5 days:  Received email welcoming me to Real Time Rewards.

PC +6 days:  Physical card received in the mail along with 4 other envelopes!  Each envelope contained a different disclosure/confirmation (return envelope to destroy metal card; acknowledgement of the PC with explanation of rewards redemption; account number change and advice to update my new number with merchants for auto billing; changes in account terms for FTF fee).  Activated card online.

 

Still in limbo:  Annual fee has not yet been reversed.  The website still describes my rewards program as Altitude Connect, but I have access to the Cash+ rewards page.  I will provide updates when these are resolved.


This is my final follow-up regarding the timing of events for my PC from Altitude Connect to Cash+.  During my previous data point update, I was waiting for two more events to take place.  These have now occurred.

 

PC +52 days:  All descriptions of the rewards program correctly reflect Cash+ (instead of the mish-mash of Altitude Connect and Cash+).

PC +56 days:  $95 annual fee reversal posted (2 statements after the PC date).

 

Thank you to all who provided reassurances that everything would eventually sort itself out.

 


I'm glad everything worked "as advertised" for you!

 

Just a note, don't be alarmed if from time-to-time you still see an occasional reference to the old Connect account.  After the most recent system update, I'm back to seeing the artwork for the Connect again on my converted card when using the website.  I'm not bothered as long as the card 'behaves' as a Cash+, which it does.  Smiley Happy

Message 51 of 54
NoHardLimits
Valued Contributor

Re: US Bank Connect PC Experience


@UncleB wrote:


I'm glad everything worked "as advertised" for you!

 

Just a note, don't be alarmed if from time-to-time you still see an occasional reference to the old Connect account.  After the most recent system update, I'm back to seeing the artwork for the Connect again on my converted card when using the website.  I'm not bothered as long as the card 'behaves' as a Cash+, which it does.  Smiley Happy


Thanks for the heads up @UncleB .  I just took a quick peek at my online account, and everything still looks like it's all Cash+.  I will keep my fingers crossed, but won't get too worked up about it if I see an Altitude Connect reference pop up here and there.

May 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 0/6, 1/12, 2/24 | Util: 1%
Message 52 of 54
PullingMeSoftly
Valued Contributor

Re: US Bank Connect PC Experience

Adding a new DP:

Just successfully converted my Connect to a Cash+, doing so with a friendly and efficient phone rep. My experience so far:

  • Waited a couple days after the AF posted, paid it, and made sure the payment posted
  • Multiple options for PC were available. Rep said that while the Cash+ was available now, there are instances when options can come and go each month, so it's not guaranteed to always be an option.
  • Since I also have the GO, I wanted to know what would happen to my reward balance, since the GO and Connect share the same pool of points. The portion of points earned from the Connect was initially converted to Cash+ rewards, and for a few hours, I could see the rewards balance. Today I now see a zero rewards balance, which the rep anticipated would likely be converted to statement credit. The rep indicated that I can call and have any negative balance from the statement credit converted to a check in the mail. The GO points balance remains in tact, for just the portion earned from that card.
  • As mentioned in the other cases upthread, my online and app interfaces show Connect pictures and references. The rewards interface looks like a Cash+ now, but shows the Connect multipliers and streaming counter. Per the testimonials, I will expect this to take 2 months or so to sort out.
  • This is my second Cash+ and I will be putting it to good use out the gate!

Glad to have been able to reference this thread and adjust my expectations accordingly, thanks @simplynoir@UncleB, and @NoHardLimits and others who've contributed to the conversation.

 






Message 53 of 54
NoHardLimits
Valued Contributor

Re: US Bank Connect PC Experience


@PullingMeSoftly wrote:

Adding a new DP:

Just successfully converted my Connect to a Cash+, doing so with a friendly and efficient phone rep. My experience so far:

  • Waited a couple days after the AF posted, paid it, and made sure the payment posted
  • Multiple options for PC were available. Rep said that while the Cash+ was available now, there are instances when options can come and go each month, so it's not guaranteed to always be an option.
  • Since I also have the GO, I wanted to know what would happen to my reward balance, since the GO and Connect share the same pool of points. The portion of points earned from the Connect was initially converted to Cash+ rewards, and for a few hours, I could see the rewards balance. Today I now see a zero rewards balance, which the rep anticipated would likely be converted to statement credit. The rep indicated that I can call and have any negative balance from the statement credit converted to a check in the mail. The GO points balance remains in tact, for just the portion earned from that card.
  • As mentioned in the other cases upthread, my online and app interfaces show Connect pictures and references. The rewards interface looks like a Cash+ now, but shows the Connect multipliers and streaming counter. Per the testimonials, I will expect this to take 2 months or so to sort out.
  • This is my second Cash+ and I will be putting it to good use out the gate!

Glad to have been able to reference this thread and adjust my expectations accordingly, thanks @simplynoir@UncleB, and @NoHardLimits and others who've contributed to the conversation.

 


Thanks for sharing the new data point, and glad to hear that the product change is going as expected.  If you have time, please update this thread once you have received the refund of your annual fee.

May 2026 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Revolving Accounts: 0/6, 1/12, 2/24 | Util: 1%
Message 54 of 54
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