US Bank luv button

[Remedios]

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@Anonymous wrote:

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@Anonymous wrote:
@addicted_to_credit... what love button? Been a US Bank member for quite a spell and never saw or even heard of such a thing? Where is it?

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If the luv button is available it will appear on the "Take Action" column of the left side of the account screen.  Its currently showing in my $500 CL Platinum account but I wouldn't use it since U.S. Bank makes it clear its a hard pull. I've been maxing out this limit for the past few months so I'm holding out for a auto-CLI.

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Because it's US Bank website, I would have expected to find it under "Yahoo Groups" or "Check weather" 

🤷

[addicted_to_credit]

Is there a number on what counts as a “rash of new accounts”? I have 3 that’ll pop up, 2 that were only SP approved and the cash+ was apped at the same time and approved a day or so later than the CSP. I don’t want to get any AA because it is by far my highest limit and I travel extensively and it’s my go to card already.

[Anonymous]

The link doesn't show up for the Cash+ because for whatever reason USB calssifies their NPSL aka VS cards as needing to call in.  You can use the link under the Platinum to do a CLI on Cash+ though since the form requests the card # and other info.  I just bookmarked it instead of hunting for it under the 365 card.

[addicted_to_credit]

I have a limit on mine or is it considered an NPSL because it’s a signature card?

[Anonymous]

Yes, the VS shows up as NPSL or Flexible Spending on your CR and USB treats them differently when it comes to a CLI which is absurd.  It's just one of their quirks.

Important Facts:

• Cardmembers who have a Visa Signature®, World MasterCard® or a FlexPerks® Travel Rewards American Express® Card do not have a traditional credit limit and will need to call Cardmember Service to increase their Revolving Line of Credit.

https://benefits.usbank.com/personal/manage-my-account/self-service/credit-limits.html

It's silly and if you only had a VS or any of the above you would have to call instead of having the form available.  I found it odd when I saw the link on 365 and not cash+ which led to the discovery of their oddness on how they handle a VS.

[addicted_to_credit]

Interesting and good to know, I do like them despite them being a bit odd. I guess quirky isn’t so terrible they did give me a pretty decent SL on the cash+ so I can’t complain.

[Anonymous]

The 5% on utilities is the only reason I keep them around.  I got dinged for FTF's when using them on ebay from people that had registered paypal accounts from other countries.  Since then they just get recurring bills and autopay.  I think mine are abou 18 mo's now and they just sit there an do what they're supposed to do.  I don't even use the 365 since the FTF thing... so, unused doesn't seem to be a pain point for them for closing an account either.

[addicted_to_credit]

That’s the big reason I wanted the cash+, I mean we’re already paying the bills why not get some cash back from it, the only thing I can’t pay with it is the mortgage I feel like we’ll do alright with it. I guess we’ll see in a month or two.

[Anonymous]

Oh you can pay your mortgage through Plastiq but, it's counter productive w/ the 2.5% fee they charge.

[UncleB]

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@Anonymous wrote:

Oh you can pay your mortgage through Plastiq but, it's counter productive w/ the 2.5% fee they charge.

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Mortgage payments can't be made with Amex or Visa Credit via Plastiq, so it's not an option for the Cash+ Visa.

As far as I know the only U.S. Bank MasterCards are their co-brand cards.