Us bank credit card reddit. Is it too…
A subreddit for discussing credit cards.
Us bank credit card reddit. 3% from the seller. Does anyone know if US Bank has a minimum reward Open menu Open navigation Go to Reddit Home. Bank credit card. If a credit card gets compromised, the bank's the one that's short the money while the claim 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. Bank Visa® Platinum Card: Best for Balance transfers & 0% Apply today for a U. We aren't responsible for fraudulent charges on either debit or credit cards, but if someone compromises a debit card and drains your bank account, you don't have access to the money you need to pay your rent etc. What’s the “best” US bank card, is it the us bank cash plus visa signature? How difficult is it to get approved for it as I’ve heard usbank is by far the hardest to get cards from. Bank Smartly ® Checking account and your U. I did have a prior relationship with them, in the past and I changed over to a credit union. With PSEG, I pay with Cash+ as long as the 5% is greater than the $3. 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). 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. I would personally get both but would go for the US bank first since US Bank is extremely sensitive to inquiries. Bank checking or savings account, as a statement credit, a rewards card, merchant gift cards and more. I got two large charges on my card from out of state, I noticed when I wen to a drive thru and they told me my card was declined. I ask because I got an initial CL of 5k with my GO, 6 months later they doubled CL automatically. 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 U. Have good app, since I bank mostly through app. The Kroger card and the Altitude Reserve cover Girlfriend just received the US Bank Cash+ but only got a $500 limit. Since you have 0 inquiries I would go for that first. My main concern is getting as high of a credit limit as possible (I will eventually have both cards. For those who don't know, Kroger is the parent company of many supermarket brands. Best U. I had to reduce my credit limit on one of my other US Bank cards then they approved me for the reserve. But I have read that you need to have a current account with US Bank to apply for it so I was thinking on applying for one of their cards (thinking on the cash back card) before considering the US Altitude Reserve. Points for travel, gas, a streaming bonus. 5-2 weeks ago. I also received another email on Friday reminding me to activate the card. Income $107k So I’ve had the US Bank credit card for a few months now and it seems every time I make a payment US Bank likes to hold the money for a week to make sure it “Clears”. I decided to submit the application, as my mortgage loan hasn't been reported yet. I've actually run analysis on all the United Credit cards (strictly with respect to points, fees, SUBs, and annual credits). We have had no issues getting any other cards we have applied for (Amex, Chase, Cap1) just with US Bank, so this seemed like a way to build a relationship. ) Does anyone know which of these cards would more likely offer a higher credit limit to start off? Thank you I am looking for some general advice on how to potentially improve my chances of getting approved for US Bank credit cards. 4% unlimited on Dining and $15 streaming credit annually. Last week I bought a flight on Americans website, got a text from US Bank asking if I wanted to use points, and then immediately redeemed them. In all my years I just never had a credit card company act the way they did. Users share their opinions and experiences on different US Bank credit cards, such as Altitude, Cash+, Shopper, and Platinum. Then called to check on the application after 3 days. If you want to post a question, it is best to do so with an established account, or it will not show up. However, I still have not received it. I don’t have any other US Bank cards. ) Does anyone know which of these cards would more likely offer a higher credit limit to start off? Thank you Currently I’m receiving offers from Wells Fargo, Citibank, Chase(Don’t have an account), and Bank of America. Hello! I was recently looking for a credit card without Foreign Transaction Fees, and 0% APR intro. Apply today. . Has anybody With the U. So I logged into the US Bank app and called the number. Expand user menu Open US Bank credit card Minimum points for 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. they have one 2% category which grocery stores is one of the options and then 1% cashback on everything I’ve been watching a lot of credit card YouTube videos recently and it’s interesting the rules each bank or unsaid rules they have I’ve been watching a lot of credit card YouTube videos, just to learn more and I think it’s interesting. 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. I’m thinking if BofA but further recommendations would be great. Credit card companies make some money on the purchase I make I. Bank, but your application was not approved" message. Advice needed Please note that Reddit automoderates posts by new accounts. I got this card approved and I applied yesterday- went through the "application in process" but did not get instant approval. I have no accounts with US Bank prior to this. Get app Get the Reddit app Log In Log in to Reddit. There wont be a cap on the 4x on travel, just the 4x on gas. I applied online and initially was denied but after calling the recon line they had me verify my identity and income. I also still got the 3% points from the purchase itself. The best alternatives are actually other cards from US Bank. I'm asking for any tips to increase my chances of getting approved. The Cash+ can cover some of those stores for no annual fee. Bank. I will say as a US Bank Altitude Go user, if I could I would avoid US Bank. The only reason I use the card is because 4X points back on dining is a huge plus for no annual fee. Not cards that give you statement credit by using their travel services. 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. The payment left my account weeks 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. Our team of experts reviewed the best credit cards to bring you our top picks, If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash Us bank credit card approval process? I applied maybe 10ish days ago. A year later I got the Reserve with a 15k limit. We opted to do the secured versions just to get in with US Bank, and anticipate graduating to the unsecured in roughly a year. They pulled EQUIFAX, Credit score: 766. Have good credit cards since I want to open credit cards in future and opening a credit card with bank I already have good relationship with would be a plus I guess Have no monthly fee for checking account. Is it too A subreddit for discussing credit cards. Income $107k Credit score: 770s Inquiries: 2/6, 2/12, 4/24 Income: >$100k Length of credit: 3 years Current cards: Capital One Venture X, Fidelity Visa, Wells Fargo Propel, Discover IT, Barclays View, Apple Card (opened a couple weeks ago) Any input would be greatly appreciated! 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). until the bank processes your claim. It helps that this credit card also has a SUB. Bank Cash+™ Visa Signature. Generally, you will need a high credit score and have opened no more than 2 credit cards in the past 12 months. But I have been with US Bank for a while, GO was just my first credit card with them. I'm a platinum honors rewards member. TPG recommends that approved applicants have a good Learn about the pros and cons of the U. Members Online. r/CreditCards A chip A close button. Here’s US Bank is a complete scam and they are operating a new type of way to defraud credit card customers. Anyone have experience with the us bank cash plus? Is it possible with a 700 credit score and low income I agree that the lender can refuse a purchase. 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. Bank personal credit card – like exclusive cash-back deals, checking account The numbers 3/12 means 3 new credit cards in 12 months, which 2/6 means 2 cards in 6 months. 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. I’ve had this issue last month and a US Bank rep said that they hold it to make sure the payment clears. Score is 680. I'm 820's fico 3/24, 0/12. I was looking at the US Bank Cash+ visa signature card which gives you 5% cash back for two categories (very specific categories, none of which i believe costco would fit in to). A subreddit for discussing 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. She applied for and was accepted for the card about 1. Bank Visa® Platinum credit card provides great benefits with no annual fee. Guess US bank does not like money. S. Applied for all three and only been rejected by BofA. 35 to bill a credit card so if it’s under $30 I just use a debit card, The official Python community for Reddit! Stay up to date with the latest news, packages, and meta information relating to the Python programming language. I would wait until the 6 month mark, see if you an auto CLI, and if not, then ask for one. I think the only reason people hate US Bank is they hate people with more than 2 inquires (2/24) and also they would like you to have an account with them. I received an instant denial. Some said you need a relationship with them before you can get their credit cards. Ofc I cannot do that since I don’t have the card. That's kind of irrelevant here though, as the interesting aspect of this card is the 5% on mobile wallet purchases. Unlock perks with a U. It's mainly used due to Chase's rule of 5/24, where if someone already has 5 new credit cards in 24 months, Chase would not approve you of any new We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. 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. Compare it with I applied for US Bank with good credit and they approved me for a low amount. You will also likely need to have no more than 1 CC in the past 6 months. U. US Bank Cash+ appreciation post PG&E charges $1. The Kroger card and the Altitude Reserve cover I’m considering applying for the US Bank Altitude GO VISA signature card. e. Opened my secured account in August 2020. I’ll guess that’s the route I’ll be taking once I’m below 2/6. I don’t have a banking relationship with US Bank I’m assuming that’s why Put $5000 on them and graduation to 5K plus credit cards, you can't do that with other cards. Product page. 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. Recently been looking for a new credit card to add to my 3 credit cards. How much time should I wait between both of US Bank cards? DoC reporting the revised Kroger Card is now live. However, I got an approval email today without doing anything. 2 Pay over time with a U. I also had 4 hard pulls in the past year, but none of them for new credit cards. US Bank has some great cards though. Bank simply because you want/have their credit card. Bank Cash+ Visa Signature Card, a rewards card that lets you customize 5% cash back categories each quarter. That said, there is no need to have a bank account with U. $20k credit limit. I wish I knew how much credit they were offering before I applied because I need a generous credit limit. Cycled through like $15k in credit in 2021 on my secured card with BoA, paid in full every month. Bank Cash+® Visa Signature® Card: Best for Cash back. 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 Discover it . See the pros and cons of each card, the rewards, the benefits, 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 Our detailed credit card customer service information will help you get the answers you need online. Why it makes checking account more difficult than credit card account? Is it because I use promotional code on checking account application? Thanks. Browse & compare cash back credit cards, low intro APR credit cards & rewards credit cards designed for your lifestyle. Get your cash back directly deposited into your U. Another change is the $30 statement streaming credit will be removed and the 4x on gas will be limited per quarter. The automated system said it was declined. If you didn't see it when you applied, today USB announced a $200 SUB for a $500 MSR for that card - I didn't see that offer earlier this week FYI, I bank with USB and they've pushed the card to me a couple of times. With First Energy, I have it on auto-pay with the Cash+, so they don't charge a credit card surcharge. Some said as long as you have a good credit score 750 and you haven't applied for any new credit card in the past 12 months, you can get in with them. would be amazing with %5 back on Utilities. I've been interested in US Bank Altitude Go card for unlimited 4% on dining & no foreign transaction fees. US Bank Cards. 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). I The U. Any purchase that gets coded under travel gets the 1. US Bank is really tough to get approved for. You have put a lot of time into this so you may have something like this already but do you have a list of cards that give you travel credit like the chase sapphire reserve and the US Bank Altitude Reserve? Looking for statement credits on travel purchases made. Unlike its competitors, it also lets you choose a 2% bonus cash category — rather than just 1% on all other purchases. Nobody ever told me about their 7/12 and 3/12 rule: Bank of America will only approve new credit card applicants who have less than 7 new cards opened in the past 12 months, or less than just 3 new cards open in the past 12 months for someone who does not have a deposit account with the bank. Find what you’re looking for without having to call or stop by a branch. My business was recently targeted in a credit card scam conducted by US Bank. The rules each bank are good to know I was approved for a USBank Cash+ card on Monday. Have around $15k in available credit now with flawless history and $0 debt. Lol. The approval email mentioned that the card would arrive in about 4 days. I am currently looking for a new credit card, preferably a visa card so that i can use at costco. 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). I have three inquries on Fico score 733 and 1 on Transunion. Not sure if it was US Bank or Quicksilver secured or some other card though. Sounded normal, they said they were card support, but asked for my full card number, name, address, and last four of my SSN. 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. I was initially rejected, called recon was told it was because I had to much credit with US Bank on my other two US Bank 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. My target credit cards are Citi Custom Cash and the Us Bank Cash +. I heard different comments on how difficult is to get into US bank credit card systems. Bank Credit Cards. Usbank is known as being hard to get approved for. If you want bonus earnings from your banking relationship: The Bank of America® Customized Cash Rewards credit card has no annual fee. Bank include checking or savings, certificate of deposit, mortgage, a range of loan products or a different U. US Bank credit card I did not apply for . 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 But recently saw the US Altitude Reserve and I really liked it. 720 U. So I talked to a With the U. Eligible accounts at U. I've seen around recently that in order to be eligible for close to any of US Bank's cards, you can only have 1 account opened in the last 12 months. I opted to apply for Citi Diamond with 0% for 18 months. I've been thinking about it and the annual fee is what keeps me from getting it. Bank Smart Rewards®. I was surprised how strict they are. Never been rejected for a card. Altitude Go. 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). 5x point multiplier regardless of where it is purchased. Bank Altitude® Connect Visa Credit Card you can earn up to 4X in credit card rewards. I have 2/24 fico 840 with a 9k limit. Well like I said in my original post Wells Fargo had no issue with the purchase. A $200 gift Congrats on being approved. They mention factors like credit score, inquiries, new accounts, and banking relationship. 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. Learn more and apply today at U. If you’re looking to rack up the sky-high welcome bonuses on US credit cards to travel the world, having access to US credit cards as a Canadian can be useful in many circumstances. Check out NerdWallet for tons of info NerdWallet's . evzipu cvjwo zfxjw btvvt aheybx klltbr bvh rokzh muoqosu lkwwj