Us bank credit card reddit. 5% using a hack via statement credit and/or mailed check.

Us bank credit card reddit. Since you have 0 inquiries I would go for that first. 95 credit card surchage which means any statement more than $79 is paid with the Cash+ The Rewards Management page of the USBank website is whacky; don't go by that. the SUB is decent ($200 back on 1k spent first 4 months) I can choose two categories to get 5% cash back up to 2k each quarter. 5 months ago, the website said i was denied. I want to get the altitude go and cash plus (and then the altitude reserve in the future) I’m currently 0/12 and haven’t gotten any cards in the last few years in general. This will be the 2nd and 3rd time I have had to do this over the years. Current cards Discover It Chrome, $2. ADMIN MOD US Bank Triple Cash "Software Subscription Credit" Data Points - Requested . My US Bank cash+ had an initial CL of $500 I called the customer service # and asked for a reconsideration to $1k, I have excellent credit my CC usage is 8% and my income is $150k+ I thought the $500 limit was a mistake, they said I could ask for an increase but it would be a hardpull, a week later I received my letter that my increase was approved. There’s always good offers every year or two, you can move limits around between cards, and they do soft pulls for cli and new cards after the 1st. There's a lot of credit card All cardholders will earn unlimited 2% cash-back at the base level on all purchases. As soon as i purchase they decline and I did call them. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less US Bank is a solid bank and the fact they have a secured version of all their very good cards is awesome. I have been banking with them for years, which I am sure was a Get the Reddit app Scan this QR code to download the app now. Bank reconsideration line is a way for credit card applicants to request a second review of U. com . I think later after I am done with all Amex points, I will move back to this one card trick with only US Bank altitude reserve. I realized this immediately, removed account B from my US Bank account, connected account A, and tried to set up auto-pay. Hello! I was recently looking for a credit card without Foreign Transaction Fees, and 0% APR intro. Choosing the best first credit card in the USA can be a daunting task, as there are many options Just as the title states, I have 2 secured cards with US Bank both with $300 credit limits that I hit easily. I’m trying to use these cards for my daily purchases to maximize cash back on purchases I would have otherwise paid cash for anyways. When the restaurant first opens, whoever sets up the credit card location code for that specific location is the person who determines what it’s going to show on your credit card statement. My Citi bank card enrolled me in a payment the way a credit card works is you essentially get a small loan to pay for whatever you want (food, bills, entertainment, etc. They're not a big bank so they don't show up on most "best cards" lists, but Alliant Credit Union's Visa Signature card offers 2. US Bank Cash+: 5% on Streaming (includes my internet bill), 5% on my phone bill 6 cards (really only have to physically carry 4), 2 ecosystems. I have 3 credit card with them but I never use it yet. 1 hard query in the past 2 years due to applying for mortgage (didn't end up getting one). Instead, you need to use a debit card. I am now using Amex trifeca and have US AR. * Number of personal credit cards approved for in the past 12 months: 1 * Number of personal credit cards approved for in the past 24 months: 1 * Annual income: ~$140,000 + 20% bonus. $15k Amex blue cash limit, $10,900 Apple Card limit, Amex gold no limit as it’s a charge card(but $2,750 limit for the pay over time feature), $35k limit on an authorized user Amex blue sky. Bank Secured Cash Back Visa credit card features a variety of benefits to fit your lifestyle. Mind you, I have 18 cards (you could say churning is a hobby of mine. If yes, can I use 4 categories as opposed to 2? Cash App is a financial services application available in the US. They are confident they will settle the dispute in my favor. The 325 travel/restaurant credit offsets to 75 and its a credit i 100% know ill use. Credit unions are usually liberal with their limits and should have most of the needed protections. If I want to get the card, would I be able to get approved and be able to use it within the same day? I wanted to stop by a branch to get that credit card and I wanted to purchase For 0% financing I think there are better cards. BUT! US Bank is infamously known for being ultrasensitive, conservative limits, prehistoric user interface, cash bank limited to statement credit as other methods are useless, a few DPs states US Bank have been known to close accounts when you open multiple A subreddit for discussing credit cards. Members Online. Or check it out in the app stores &nbsp; Can make or break a bank, credit card or other company faster than anything else. US Bank Cash+ instantly approved for a $500 limit. It is Easy checking with no maintenance fee with at least two direct deposits totaling $1,000 per month. Bank for my Debit (not Credit) card. " US Bank is an odd one. US bank is damn worse credit card ever of my life. Bank credit cards include options for cash back, a long 0% intro APR period and poor credit. Bank, but your application was not approved" message. The only problem is, autopay (set to pay the statement balance) is still set to pay what was on the statement, even though the card has a zero balance. I was supposed to use account A to set up auto-pay for my US Bank Credit Card, but I accidentally connected account B to auto-pay (my mistake #1). I've been eyeing this card for a while due to the 5% categoies. To my knowledge, they only started doing soft pull increases near the end of 2019. US Bank struggles with shipping replacement cards to overseas addresses; had four get lost in the mail Get the Reddit app Scan this QR code to download the app now. com, Apple, Best Buy, Chewy. You can get a $30 Digital Costco Shop Card when you purchase a new Costco membership with your U. Lol) Anyways, yes I have 18. absolutely any advice is greatly appreciated. the things you buy with a credit card usually don’t yield any profit for you so there wouldn’t be any way for a halal bank to profit from the loan without charging interest which they obviously can’t do It seems like having a relationship with US Bank prior to applying for a credit card with them helps significantly in getting approved (and maybe even to getting a higher CL), and it seems like you can't have any new credit card accounts within 6 months and, at max, you could have up to one new account within 12 months (0/6 - 1/12 max). Zero. That part was free. Read some reviews I applied for US Bank with good credit and they approved me for a low amount. US Bank Cash+ Approval Chances . Google "US Bank reconsideration line" and select a reputable source - such as Doctor of Credit. That said, there is no need to have a bank account with U. It’s still worth a pickup because it’s the best non AR US Bank card, so it’s the best possible relationship “starter Very happy with the setup I have right now. the Finland-hosted Lemmy instance—a Reddit alternative. I will say as a US Bank Altitude Go user, if I could I would avoid US Bank. com, Disney, Home Depot, IKEA, Kohl's, 1cpp You can redeem for statement credit or deposit into a US Bank checking account with $25 minimum/$25 increments (which is annoying) If you actively use the card, Real-Time Rewards makes sense, just redeem via SMS as you make qualifying transactions ($10 minimum, enough points to cover the transaction) So I recently had two (2) charge disputes I had to file with U. You will be able to boost this cash-back rate based on the amount of deposits you hold with With the U. Amex will normally give u a 3x CLI increase after 3 statements I think. If I make a payment for my bank, the bank takes the money out of my account and claims the money has been credited to my credit card, there is no reason that money should not be available to me for another 20 days. If you want bonus earnings from your banking relationship: The Bank of America® Customized Cash Rewards credit card has no annual fee. US Bank struggles with shipping replacement cards to overseas addresses; had four get lost in the mail US Bank is a solid bank and the fact they have a secured version of all their very good cards is awesome. Or check it out in the app stores &nbsp; 2015 and this article from 2017 say that it's a good idea to freeze my SageStream and ARS reports before applying for a US Bank credit card. The best U. You can check your U. reReddit: Top posts of April 21, 2021. 5% route, are 5% cashback cards better then like Amazon and the CCC since it's simple to deposit to other accounts? This can have an unintended benefit: you may realize you're spending more on a category (e. I keep credit utilization pretty low. , Affinity FCU), but most of the strongest CC offerings are from banks. US Bank has some great cards though. I also can't pay my rent or utilities with a credit card. My business was recently targeted in a credit card scam conducted by US Bank. 6k limit, 05/2019 Chase Freedom Flex, $2. Both of them have 300 bonus offer, us bank is a pain to have $5000 in direct deposit within 3 month anfd well cargo just need $1000. The primary thing you would be concern about when picking Elan MCP would be to find a bank/credit union that has the least ugly design. 5% back and most importantly 15 months 0 APR) You could grab a US Bank Cash+ card which includes 15 months of 0% APR and a $200 SUB on The applications sub forum has "backdoor" numbers for each bank. American “credit debit cards” have a PAN and are indistinguishable from a credit card for nearly all purposes, and the payment terminal (mostly) doesn’t know or care that it’s technically a debit card on the backend. Focus card ----> PayPal balance ----> Bank account/debit card For the 40 cents I Our friends at U. Members Online Get the Reddit app Scan this QR code to download the app now. I've literally applied and gotten approved for an Elan MCP card for a state that I don't even live in. All of the following info pertains to cards acquired after entering AD. Some cards may get you 5% on dining but there may be hoops or limits you Users share their experiences and tips on getting a US Bank credit card, such as the Cash+ card. This US Bank Cash + card piqued my interest. com, Disney, Home Depot, IKEA, Kohl's, My advice would be for you to apply for the numerous smaller banks and credit unions that offer the Elan Max card (a rebranded Cash+ card). Bank Cash+ ® Visa cash back credit card, you can earn 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose. 4% unlimited on Dining and $15 streaming credit annually. The US bank cash + is a pretty great because of the 5% on home Utilities which is one of the only cards that offer that. We'd like the opportunity to speak with you if you have time. This is because in the US a number of I want a bank with easy mobile banking like huntington, direct deposit options, and ability to obtain a credit card ASAP to begin building my credit. It seems like having a relationship with US Bank prior to applying for a credit card with them helps significantly in getting approved (and maybe even to getting a higher CL), and it seems like you can't have any new credit card accounts within 6 months and, at max, you could have up to one new account within 12 months (0/6 - 1/12 max). We have 3 US Bank Cash + cards and the Altitude Go card. Or check it out in the app stores People who need lounge access frequently or people beginning their credit card journey (who probably couldn't get the US Bank cards). I got it for the ability to use it for utilities, phone, cable, Internet. Users share their opinions and experiences on different US Bank credit cards, such as Altitude, Cash+, Shopper, and Platinum. Got a $400 limit that they have never bumped up for me. 5k, Fidelity Visa 20k. I used two of those three and got two cash+ cards in the space of three months. If I applied for a bump they'd accept I'm sure, but I didn't want to take the hit just to have a bigger credit limit on the card. 7% of the total I transfered). I’m hoping to get the Cash+ in the near future for the SUB and to increase my present 2% back on utilities, and am wondering about my chances of approval based on my current profile: The U. For those who don't know, Kroger is the parent company of many supermarket brands. Note: American Express allows credit card crypto purchases, but Crypto. An eligible U. This is because in the US a number of A subreddit for discussing credit cards. You can have a US Bank Cash+ card and as many Elan Max card as you are approved for from different smaller banks. In terms of cashback, it's straight 3% into a US Bank bank account and 4. There wont be a cap on the 4x on travel, just the 4x on gas. US Bank Cash+ approval . Bank account relationship is defined as: Checking or Savings account, Certificate of Deposit, Mortgage, Home Equity Loan, Right now US Bank hands out their Altitude Go & Cash+ as secured cards with a max deposit up to $5000 (Discover’s secured deposit max is $2500). They only gave a $2k limit on my Cash+ card. They allow credit card funding, so I personally don’t see I just noticed the offer in my account last night. Crypto. If you don't choose your Cash+ categories each quarter, all your I got this card as my first credit card (had never had any credit history before) after being a US Bank Student checking account customer for 2. I'm wondering compared to straight cashback with the extra hoops involved with the 4. I've actually run analysis on all the United Credit cards (strictly with respect to points, fees, SUBs, and annual credits). The platinum credit card at US Bank is a barebones card, it’s meant to transfer balances from other cards at low or 0% interest rates. Be sure to read sub rules before posting, use the resources US Bank Cash+: 5% on Streaming (includes my internet bill), 5% on my phone bill 6 cards (really only have to physically carry 4), 2 ecosystems. Wont be applying for any more cards for 6 months to preserve credit score. It’s not touted enough but it is primary car rental coverage too. For anyone unaware there are multiple versions of this card but IMO the best version is the Ralphs card which has a couple more A subreddit for discussing credit cards. No hard pull (declined overdraft protection), and account funded with $250 (max) via US Bank Cash+ card (working on SUB), coded as regular purchase. Have around $15k in available credit now with flawless history and $0 debt. Bank reconsideration line, call 1 (800) 947-1444. ). Bank cards can improve your credit 760+ credit score, have 0 credit cards and have had an Amex charge card for 10+ years with all on time payments. I'm a platinum honors rewards member. Calling recon might be enough to push it through, if you can explain to them why you want this card, and have a clean credit report. 5% cashback. I’d much rather earn 2-5% cash back on entertainment purchases than get 1x rewards on chase or Amex, or 1x miles on my Citi card. Also, yes, it covers utilities but bear in mind that many utility companies charge a fee to pay by credit card. Im inexperienced, scared, and want to start out on the absolute best foot possible to reduce any issues i may have down the line. I’ve seen different stores of the same chain code differently at different locations, which makes a master list difficult. That’s not the case here. The approval email mentioned that the card would arrive in about 4 days. Idk if this is a good DP or not but I got approved for my first ever REI card about 5 months ago. I do however hold a Wise MultiCurrency Prepaid Visa that I use when I go to Costco in the US as that's the only place I've been to that only takes Visa or places that don't take AMEX while abroad but still want to avoid the FX fee. Perfect for establishing credit and making purchases, this cash back credit card from U. It helps that this credit card also has a SUB. my spending 99% Apple Pay so this card is huge for me. a hard pull but im I saw that US Bank is offering a bonus for opening a checking account and getting a certain dollar amount in direct deposits in the first 60 days. Cancelling all business with Citi because of it. com serves over 100 million customers today, with the world’s fastest growing crypto app, along with the Crypto. I have had a US Bank Altitude Go Card for almost 2 years and applied through the US Bank app (so much info was prefilled). There’s a lot of denials for that card on this subreddit but it would be up to you to give it a shot. Applicants will I will say as a US Bank Altitude Go user, if I could I would avoid US Bank. Bank reports monthly to all three credit bureaus, so responsible credit usage with U. I just applied and was approved for a $10K limit. The U. Yeah it’ll take longer to graduate and you probably won’t get a CLI upon graduation, but you’ll have a much better rewards card, and if it’s your first card, or you’re rebuilding, it’s I have looked at the US Bank Altitude Reserve Card, and it seems like a great card because I get 4. Hi everyone, I want to apply for the US Bank Cash+ card and wanted to gauge my approval odds here. Bank Altitude® Reserve Visa Infinite® Card is offered to U. Bank will soon be launching their new Shopper Cash Rewards Visa Signature credit card. Im aware of the 400 annual fee. Advice needed Please note that Reddit automoderates posts by new accounts. They use the language above and you roll the dice on whether it's a hard pull or not. Bank. My info: I have an 850 credit score and a $20k limit on my other US Bank credit card. US Bank struggles with shipping replacement cards to overseas addresses; had four get lost in the mail Unfortunately I tried to get 2, currently US Bank does not offer any product changes from the Altitude series of cards. If I remember right. The US Bank secured was on my list, but I was leaning towards the Harley Davidson version because it had no annual fee. Spouse does not need a SM AU. The company's mission is to maximize the value and utility of digital assets through our comprehensive product suite including advanced trading solutions, liquidity aggregation, tax-efficient asset-backed credit lines, a high-yield Earn Interest product, as well as the Nexo Platform and Nexo Wallet with their top-tier I've been interested in US Bank Altitude Go card for unlimited 4% on dining & no foreign transaction fees. Right now I'm at 1/6 (1 inquiry in the last 6 months), and 2/12 (2 new cards in the last year) with 1 of those falling off in December and the other next April. I've never used a debit card when making 3D secure transactions, so I can't help you there. r/CreditCards. 5% route, are 5% cashback cards better then like Amazon and the CCC since it's simple to deposit to other accounts? Get the Reddit app Scan this QR code to download the app now. Bank ExtendPay ® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The card will offer the following cashback rewards: 6% cashback on up to $1,500/quarter spend at two specific retailers you select. I applied for a US Bank Cash+ today to help with paying my utility bills amongst other things and was almost immediately given a "thank you for your interest in U. No previous US Bank customer history. com, Disney, Home Depot, IKEA, Kohl's, A subreddit for discussing credit cards. OP is asking about credit card rewards. U. A $200 gift Most other banks that do soft pull increases have language like, "this won't impact your credit and we will ask before proceeding if we need to (hard pull). From PayPal I was then able to transfer the balance out to my bank/debit card. Reddit . It would be trickier with some other issuers like US Bank, which are more inquiry sensitive. I plan on getting the attitude reserve in the future as it gives you 3% back on all mobile wallet charges which is unmatched. Hi all, wanted to share in case it helps anyone after the longest wait I've had after applying for a card. I would personally get both but would go for the US bank first since US Bank is extremely sensitive to inquiries. I have the altitude go and the cash+. I just opened a checking account with US Bank and have been holding off on credit card applications for a few months in an effort to have as clean of application as possible. I also received another email on Friday reminding me to activate the card. You earn 2% cash back on your choice of one everyday category, and 1% cash back on all other eligible net purchases. Bank Altitude Go Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (open and able to use). I've typically held off on US Bank credit cards because I've heard waay too many stories like yours, and assumed I would meet the same fate. and the card is available to United States residents only. I have a CSP, Amex BCE, Citi something, and an Amazon prime card that just sits on my Amazon account, all with about $20k limits each. They did charge a small fee for this (in my case 40 cents which was 1. Venmo card (3% at Costco) US Bank Cash plus (5% utilities, internet) Wells Fargo Active Cash (2% everything Visa) Bank of America Cash Rewards Card (3% online shopping) Discover it card (5% rotating, 10% first year) Citi Custom Cash 5% groceries or gas (mastercard) PenFed Platinum Rewards Visa (4. All of the 2+% flat-rate cashback cards with no FTF require a banking relationship or credit union membership: I opened US Bank Checking to get the card, and also $300 promotion bonus they have on new customers. 5% using a hack via statement credit and/or mailed check. They mention factors like credit score, inquiries, new accounts, and banking relationship. View community ranking In the Top 1% of largest communities on Reddit. I am looking for some general advice on how to potentially improve my chances of getting approved for US Bank credit cards. They will only allow you to pay credit card bills with a debit card or a bank account. I have a car lease and ~22K in student loan debt, all paid on time. They pulled EQUIFAX, Credit score: 766. 5% back on everything if you maintain a few things about your checking account with them - keep a balance of at least $1000 in the checking account, and make a monthly deposit to it. S. Bank customers who have an eligible U. Last week, the statement generated, and rather than wait a few weeks for the autopay to trigger, I paid the card off in full. The company's mission is to maximize the value and utility of digital assets through our comprehensive product suite including advanced trading solutions, liquidity aggregation, tax-efficient asset-backed credit lines, a high-yield Earn Interest product, as well as the Nexo Platform and Nexo Wallet with their top-tier With the U. Regardless, imho it’s definitely worth applying for. See the pros and cons of each card, the rewards, the benefits, US Bank is a complete scam and they are operating a new type of way to defraud credit card customers. They are not known for being as quick to graduate or give CLI as Discover, but if you are using the card regularly and paying full and nothing else on your credit profile is a red flag you will get graduated eventually. com doesn't support Amex. I don't even mind doing it as a credit statement. Apply today. Per U. Or check it out in the app stores US Bank Cash+ is also a top tier card with 5% back on utilities/internet. Based on the community's advice, I went for US Bank first. That's crazy considering when I had a US Bank credit card there was absolutely no online security except a password and seeing a picture of a puppy I chose when I set up my online account. Bank ExtendPay® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. It was $29 up until recently. They also say that doing this is unlikely to hinder most applications with other issuers. Bank, . The only reason I use the card is because 4X points back on dining is a huge plus for no annual fee. Product page. What's one "rule" of credit I opened an easy checking account with US bank last year. I don't even use it that much (either of the two cards). You'll have your choice of a 3% cash back category in addition to a fixed 2% category for grocery stores and wholesale clubs (limited to $2,500 of these purchases per quarter, then 1% back). US Bank credit card I did not apply for . So they don’t work as credit cards at all. I did have a mortgage with them, and it was US Bank is rather conservative in terms of approvals when you have high velocity (recently opened credit accounts). The card will also remove the phone insurance BUT this card will keep the TSA PRE CHECK credit and priority pass which is amazing for a no annual fee card. PayPal already stopped people from paying credit cards with another credit card. $250 cash for getting an AMEX Blue Cash card upvotes r/CreditCards. The last new card I got was a Amazon prime card in 2019 and I have an 820+ credit score so didn’t have any issues getting it. I found this promotion in the US Bank app: EXCLUSIVE PROMOTION: Become a Costco Member and get a $30 Digital Costco Shop Card. Income $107k Get the Reddit app Scan this QR code to download the app now. A subreddit for discussing credit cards. After like 2 HPs in one days The highest-earning flat-rate cashback, no-AF, no-FTF card that doesn't require a banking relationship or credit union membership is the Citizens Bank Cash Back Plus, a World MasterCard that earns a flat-rate 1. The Cash+ card from US Bank seems to be one of the hardest cards for approval, but recent reports from others are telling that even 2+/12 are getting approved. Or check it out in the app stores requirement seemed to vanish). No negative credit history. -If you get any card from any bank prior to entering AD the fees will be waived during your AD tour. Yes, having a credit card with them qualifies you to open a bank account with them, even if you are outside of their banking footprint. Cycled through like $15k in credit in 2021 on my secured card with BoA, paid in full every month. Credit cards are for banks to lend you money, not for you to lend the bank money. Each Elan Max Card also has a $150 sub. The bank/credit union doesn't even manage the card, it is all done by US Bank/Elan. - We spend between $500 - $600 on utilities a month, so the US Bank Cash + card is definitely nice for that and then we spend around $200 in steaming on the other Cash + card. The United Quest card is actually more valuable at virtually any budget(you get an annual flight credit AND 3x on flights vs 2x for the Explorer). Bank simply because you want/have their credit card. Just our IBAN bank account number. com serves over 80 million customers today, with the world’s fastest growing crypto app, along with the Crypto. But I’m honestly considering getting a lesser percentage cash back with something like the Capital One Savor because US Bank sucks with their app and entire experience. That's kind of irrelevant here though, as the interesting aspect of this card is the 5% on mobile wallet purchases. Chase is hard for newcomers. Or check it out in the app stores and Bank of America. Did not apply since the card offers no rewards. This way, you’ll find out if your Closing your credit card account is an important decision. " I was also a Union Bank customer and am none too thrilled with US Bank thus far. This is a card that will essentially always be useful in that category. Bank account relationship open and active a minimum of 5 business days prior to submitting an application. . Nexo is the world’s leading regulated digital assets institution. I was feeling plucky - I said wtf - let's try for the US Bank Cash+ - maybe since I've been having my direct deposit go in Does anyone know if US Bank has strict rules like Chase’s 5/24? I applied for an Altitude Go and was denied, said too many recent accounts opened (which to be fair, yeah, several new cards the past year and a car loan). US Bank is a difficult bank to get approved for since they generally only like to give credit cards to existing banking customers. US Bank is rather conservative in terms of approvals when you have high velocity (recently opened credit accounts). Before applying I was 7/24 and 3/12 (including 2 in the past 6 months) for new credit cards and TransUnion credit score in 790s. Or check it out in the app stores &nbsp; A subreddit for discussing credit cards. If an extra 4% back on Best Buy purchases as store credit is more valuable to you than travel rewards, sure. I did have a prior relationship with them, in the past and I changed over to a credit union. The US Bank Altitude Go’s streaming credit can often be a trap. There's all sorts of ways to get the monthly maintenance fees waived, but I noticed in the fine print that one way is by having an "eligible US Bank credit card. Valheim; Genshin Impact; Minecraft; I don't know why i got blessed with a high limit with US Bank credit cards. Of course that, in turn, can affect what credit card makes the most sense. I opted to apply for Citi Diamond with 0% for 18 months. Ofc I cannot do that since I don’t have the card. If your credit card account is eligible for a U. Hello! My wife and I use the US Bank Altitude Go card for restaurants. AT&T is implementing a policy where the prepay discount with a credit card is decreasing so I'll be using my checking account so I won't be using one of View community ranking In the Top 1% of largest communities on Reddit. So here is my situation I have over 10 credit cards some accounts I am keeping open but the ones that are maxed out I am trying to get into hardship program/payment plans to pay them off (when you do this it closes the account, but I don’t mind because I’m trying to stop being dependent on credit. I hate them period. In the old days when PayPal didn't block this, people tried to game the system and paid their credit card with other credit cards. Check out NerdWallet for tons of info Hello, I recently heard about the us bank cash+ credit card. Or check it out in the app stores A subreddit for discussing credit cards. You really don't NEED a Visa card tbh, I currently don't hold a Visa credit card personally, I'm completely AMEX & MasterCard these days. I had planned to use the recent Extend Pay program for a number of recent eligible purchases on my US Bank credit card. There is a $400 AF, The US Bank Cash + Is the one I have and I think it’s a niche card in terms of the ability to select your own categories. Credit History: Amex BCP 30k CL, Cap1 Venture One 6. I’d suggest looking up past discussions and data points. Hello! I’m looking to get into the US Bank credit cards. 3D secure 1 didn't work for my bank of america credit card when I last tested it, but it seems to work with 3D secure 2. The US Bank With First Energy, I have it on auto-pay with the Cash+, so they don't charge a credit card surcharge. Another change is the $30 statement streaming credit will be removed and the 4x on gas will be limited per quarter. All of my weekly spending can be done using tap to pay. They see it as buying debt on debt. If you are US-based, there is no bank that allows for credit card crypto purchases. I US Bank starts with really low limits. It offers peer-to-peer money transfer, bitcoin and stock exchange, bitcoin on-chain and lightning wallet, personalised debit card, savings account, short term lending and other services. I understand that many people get a cobrand credit card since they go there a lot, but I rather get cash than miles reason being cause I was doing a dummy booking and the points/miles never added up, actually cost more overall than the cash price. First ever denial - 800+ credit score, low utilization, high income, around $260k available credit. 5 years. I know there have been issues getting approved by US Hated the I use this card for gas, this card for groceries, this card for flights, this card for cloth shopping. Bank Altitude® Connect Visa Credit Card you can earn up to 4X in credit card rewards. Approved for US Bank Cash+ Visa Signature Credit Card! 10k CL - Shocked given my Crypto. Gaming. Apply for an American Express Card with this link. by purpleowl385. Calling the U. I've heard US Bank denies often so I've held off, but finally decided to pull the trigger. Additionally , during the inquiry about product change the customer service rep mentioned that a prior relationship with us Bank is no longer required I. Please contact us using the option that works best for you: Call us at 800 To contact the U. Learn of the rewards and apply today at U. Received the 7-10 message. Should I Take the Risk and Apply for the US Bank Cash+ Card My question is, should I take the risk and apply for this card before my CFF hits the credit bureaus, hoping they only pull my TU? My stats are below Score: 726 EXP 742 EQ 757 TU Accounts: CF OCT 2019 $1500, CFU A subreddit for discussing credit cards. Applied for the US bank cash+ 1. CUs as a group Our friends at U. nobody at US Bank knows how they work or how to fix them. 19 year old here, 3 credit cards opened in the 18 months. That said, US Bank $200 rewards bonus after spending $1,000 in eligible purchases within the first 90 days of account opening. Bank credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Welcome to the sole, officially recognized American Express Community on Reddit! American Express, a premier financial institution, extends a diverse portfolio of services, inclusive of credit, debit, and charge cards, augmented by I’ve been after the Us Bank Reserve for sometime and opened a checking account a few weeks ago before applying. I decided to submit the application, as my mortgage loan hasn't been reported yet. Having a credit card with them also gets you some waived fees with respect to bank accounts. Which bank/ card do you think will give the highest limit? Credit Profile: Ex: 741 Income: 80,000 Amex BCE: 15,000 I have 3 US Bank credit cards (Cash+, Alt GO and Alt Connect, a Checking Account and Savings account as well. Got the 7-10 note and approved on day 7 (lol long wait I know) for 5k CL. For the last decade I've only kept $100-200 in there, mostly because their branch customer service kept getting worse and worse. Or check it out in the app stores &nbsp; &nbsp; TOPICS. //awardwallet. Well, I decided to check the US Bank website tonight and I was happy to see they changed the annual fee on their secured card to $0. Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog Careers Press. I received an instant denial. They waste my 4 days of work keep me hold and transfer the phone. Members Online Used responsibility, any credit card can help you build credit. I think I'm already doing about as well as I can with what I consider to be the "basics" (try to have a good income, low rent, good history, good credit score, don't apply for too many credit products, wait a bit between applications). Get the Reddit app Scan this QR code to download the app now. Discussion / Conversation I got a US Bank Cash+ card with intentions of using its electronics stores category to buy an Get the Reddit app Scan this QR code to download the app now. Or check it out in the app stores I've been using one of the US bank cobranded cards for over 6 months now and its probably become my favorite cards. So this upcoming travel my car rental of 4 days will save me $35/day as I don’t need to buy their insurance or worry about having to use my personal insurance if A subreddit for discussing credit cards. After the checking a/c got past one year mark, got 3 mailers for cash+ cards. com is the best place to buy, sell, and pay with crypto. US Bank CLI I was approved for a US Bank cash+ but only got a $500 CL, most of my cards are 10-20k, I called the reconsideration line immediately and asked if that was a mistake, they said no but I could apply for an increase and it would be a hard pull, I did and they increased it to 10k. Edit: But the US Bank Altitude Can anyone give me a general idea of what my approval odds are for a US Bank credit card? Are they inquiry/account sensitive and if so would that affect me with the below Helpful credit card tips from Reddit include starting with a no annual fee card, paying your bill in full, and not using too much of your credit limits. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your question has already been answered. 3k limit, 05/2022 Citi Custom Cash, $1k limit, 06/2022 US Bank Cash Plus, $500 limit, 07/2022 FICO Score: 734 (TransUnion and Experian) An automatic statement credit of $15 per 12-month period will be applied to your U. 3k limit, 05/2022 Citi Custom Cash, $1k limit, 06/2022 US Bank Cash Plus, $500 limit, 07/2022 FICO Score: 734 (TransUnion and Experian) Now, for US Bank credit cards, never had any of them decline. With PSEG, I pay with Cash+ as long as the 5% is greater than the $3. Although I do have the US Bank Altitude Go credit card with them and can therefore get the monthly checking account fee waived by having an open credit card with them, I just can't seem to reconcile myself with their atrocious customer service. Online • IcarusPony. Bank credit card application status by calling customer service at (800) 947-1444 and providing your Social Security Number. g. 5% cash back on your first $2,000 in combined eligible purchases each quarter on two Very happy with the setup I have right now. I want a bank with easy mobile banking like huntington, direct deposit options, and ability to obtain a credit card ASAP to begin building my credit. The Cash+ on the other hand can be a bit difficult to get since US Bank can be picky. I got this card as my first credit card (had never had any credit history before) after being a US Bank Student checking account customer for 2. 25% at all Gas Stations) Kohls Card 3/23 1500 Target Red Card 7/23 3500 Synchrony Harbor Freight 6/23 3500 Synchrony Discount Tire Card 8/23 1000 I also have 12 inquires from multiple loan applications, that had to be resubmitted, ive had 4 inquires in the last 6 months. There are so many CUs that (i) offer no credit card at all, (ii) offer only a no-rewards credit card, or (iii) offer a credit card that only pays an anemic <1. A few CUs certainly have strong offerings (e. DoC reporting the revised Kroger Card is now live. Just thought I would pass on the good news. Update/DP: I just applied hoping that u/PolyDipsoManiac’s experience would hold true for me as well, and I was approved! ($2,000 CL) Especially interested in any recent DPs from folks who’ve applied. Honestly, it's hard to imagine that your setup can't be improved by dropping one of the other cards out of rotation and using the Cash+ instead, since 5% on two categories is uh, quite good actually, even if it's a bit US Bank can definitely be selective about who they approve for their credit cards. I haven't applied for a new credit card in about 3 or so years and have a pretty high credit score so I was somewhat surprised. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your Applied for the US bank cash+ 1. That’s insane. spend less on fast food, more on groceries). Points for travel, gas, a streaming bonus. This is a ridiculous practice. It’s still worth a pickup because it’s the best non AR US Bank card, so it’s the best possible relationship “starter I don't even mind doing it as a credit statement. Here are NerdWallet's favorites. Not the most optimized for cash back, but is decent enough. I've actually been a US Bank checking account customer since like 1998. Opened my secured account in August 2020. 25% at all Gas Stations) A subreddit for discussing credit cards. Why it makes checking account more difficult than credit card account? Is it because I use promotional code on checking account application? Thanks. -Amex: waives all personal card fees for SM and spouse under MLA if card is acquired after Oct 2017. com Visa Card — the world’s most widely available crypto card, I was approved for a USBank Cash+ card on Monday. If you want to post a question, it is best to do so with an established account, or it will not show up. I thought Extend Pay was simply a new feature added to the card, similar to PayPal’s 6/12 month zero interest feature. If I were to travel more, I'd get the US Bank Altitude reserve. Altitude Go. Here are the US Bank numbers: US Bank: 800-947-1444, 800-685-7680 (Underwriting) I also received a $500 limit on my Cash+, but called underwriting and asked for $5000 and they gave it to me. I am thinking of setting up checking account with either US Bank or Well Fargo to have easier time signing up for either Cash+ or the active cash in a few month for a 2% card. However, I still have not received it. 5% on all mobile wallet purchases and travel as credit towards my flights. Score is 680. The US Bank site told me that my auto-pay was already set up. Get the Reddit app Scan this QR code to download the app now ** Update: thanks to all the tips, ended up getting a 24k credit limit with Bank of America ultimate rewards ($200 back after min spend, 1. I am thinking about opening the us bank altitude go card and I have a large unexpected purchase I need to make by the end of Our friends at U. It's a bit puzzling that you think an extra card is too much now and not before you applied for it, but given that you did apply for and get it, I'd at least make the MSR on it. I got approved for the Cash+ back in March, but they only gave me a $500 credit limit, which is the lowest I've ever had on any card in roughly thirteen years of having credit cards. 8% cashback. fast food) than you should be, and decide to change habits (e. Selectable retailers (you can choose two) include Amazon. However, I was recently approved for the Cash+ with five new accounts in the last twelve months and AAoA of around one year. Yes I’m well over the above mentioned US bank rules. e maintain a I just opened first US Bank credit card account last week (instant approval), and also applied for checking account today, but it shows reviewing my application. I wish I knew how much credit they were offering before I applied because I need a generous credit limit. I do wait for holiday to spend some nice stuff. It’s the REI card through US bank and they gave me the highest CL I have with any card/bank. 6 months later got two mailers for US Bank platinum cards. I take a flight home to hawaii once a year to see family and i take 7-8 domestic flights and 1 international flight a year to compete in jujitsu tournaments around the US. Bank Visa Signature Credit Card and enroll in auto renewal by August 31, 2023. Bank was so professional and gave me provisional credit in a few days. Our cell phone bill used to be on that one as well but AT&T isnt giving as high of discount for using credit cards now vs ACH so we stopped using US Bank Cash + for AT&T. Bank might be just what you need. Income $107k Reddit is a great big community so get money off your cable bill, get a free iPad, or whatever incentive you're offered. Here’s a referral link for a $250 bonus on $3k spend in 1st 6 months. AT&T is implementing a policy where the prepay discount with a credit card is decreasing so I'll be using my checking account so I won't be using one of I was approved for a US Bank cash+ but only got a $500 CL, most of my cards are 10-20k, I called the reconsideration line immediately and asked if that was a mistake, they said no but I could apply for an increase and it would be a hard pull, I did and they increased it to 10k. Before I got into credit game, I was a simple man with citi double cash as my only card. com Visa Card — the world’s most widely available crypto card, We would like to show you a description here but the site won’t allow us.