*WATCH ME APPLY* U.S. Bank Cash Plus credit card application (U.S. Bank Cash+ Visa Signature)

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WATCH ME APPLY U.S. Bank Cash Plus credit card application (U.S. Bank Cash+ Visa Signature)

Рет қаралды 24,448

Күн бұрын

After months of thinking about this credit card, the time is NOW to apply for the U.S. Bank Cash+ Visa Signature! Watch me submit the application! Click “Show More” to see Ad Disclosure.
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🎬 VIDEO: U.S. Bank Cash Plus card review: • U.S. Bank Cash Plus Cr...
MINI REVIEW: U.S. BANK CASH PLUS CARD
WELCOME BONUS (Apr. 2021)
Earn $150 cash back when you spend $500 in the first 90 days of card membership. Plus receive a 0% APR period on balance transfer for the first 12 months, then a 13.99% - 23.99% variable APR after that.
ANNUAL FEE = $0
EARN CASH BACK
- 5% Choice Categories: Choose 2 Choice Categories | Up to $2,000 in combined spend each quarter | Enroll each quarter
- 2% Everyday Category: Choose 1 Everyday Category | No limit / cap
- 1% Other Purchases
REDEEM CASH BACK
- Statement Credit: Min. redemption requirement = $25.00 starting June 01, 2021
- Deposit to U.S. Bank Checking, Savings, or Money Market Account: Min. redemption requirement = $25.00 starting June 01, 2021
- U.S. Bank Visa Rewards Card: Min. redemption requirement = $25.00
- Real-Time Rewards: Min. redemption requirement = $10.00
MY CREDIT REPORT BEFORE APPLYING
SCORES
- Experian: 785
- TransUnion: 810
- Equifax: 822
INQUIRIES
Experian: 15
- TransUnion: 4
- Equifax: 1
NEW ACCOUNTS
- In the past 12 months: 2
- In the past 24 months: 7
AVERAGE AGE OF ACCOUNTS / AVERAGE LENGTH OF CREDIT HISTORY
- 3 years, 6 months
PRIOR RELATIONSHIP
I had the following accounts with U.S. Bank prior to applying:
- Personal checking account
- Personal savings account
- Personal credit card (U.S. Bank Altitude Reserve)
- Business credit card (U.S. Bank Business Leverage)
MY CREDIT REPORT AFTER APPLYING
- My Experian credit score dropped 4 points, from 785 to 781
- My Inquiry count increased from 15 to 16 on Experian
- My credit scores & inquiry counts on the other bureau reports remained the same as U.S. Bank only pulled Experian for this credit card application.
- There were no changes to my New Accounts status or Average Age of Accounts status. Those will only be affected once the new U.S. Bank Cash+ card gets reported, likely several weeks later.
WHY I CHOSE THIS CARD
1. 5% CASH BACK ON UNIQUE CHOICE CATEGORIES
Earn a high % cash back in categories that my other cards don’t cover: Gyms/Fitness Centers + Home Utilities
2. WELCOME BONUS
$150 cash back with $500 spend requirement = 30% return
3. NO ANNUAL FEE
Every dollar earned = pure profit!
4. LONG-TERM KEEPER CARD
5% rewards with $0 cost = WINNER
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#creditcardapplication #usbank #cashbackcreditcard

Пікірлер: 373

@migloz2898 3 жыл бұрын

Anyone else got an ad after he said “give me 60 seconds, I’ll be right back”. That was so satisfying. 😂

@MarkReese 3 жыл бұрын

😁✌️

@gpagunsan1 2 жыл бұрын

The more I watch your video the more credit card I got! I am addicted to keep applying for credit cards. Total 15 cards

@MarkReese 2 жыл бұрын

Haha as long as you're being responsible with it all, then enjoy! 😁🤙 Congrats on building up a 15-card setup!

@fiveiron40 3 жыл бұрын

Have had this card for just over a year and it's been great! I keep one category set to Utilities and the other I rotate depending on expected spend (electronic stores when I had to buy a fridge, furniture stores the following quarter when it was time for a new couch,). Will keep this card forever. It completely destroys my REI Mastercard (also from US Bank, which I would cancel but I've had it since 2011), that gives me 5% back ONLY at REI. With Cash+ I can select sporting goods stores and get 5% back not only at REI but also Dick's, Academy, Cabelas and more! It's INSANE how versatile this card can be.

@MarkReese 3 жыл бұрын

Exactly right Alex! Glad you've had such a positive experience with it! 😁👊💯

@1newstart01start4 Жыл бұрын

Can you double dip with U S Bank?

@Jsreviews88 3 жыл бұрын

I don’t even care about this card, but this was a thorough video you never see from the other major CC KZfaqrs. Amazing content.

@MarkReese 3 жыл бұрын

Thanks so much; glad you enjoyed it! 😃🎬

@alohaohana9247 3 жыл бұрын

🤚

@MarkReese 3 жыл бұрын

@@alohaohana9247 👋

@fallback8314 2 жыл бұрын

what card would you favor/prefer over this one?

@12KevinPower 3 жыл бұрын

Congrats! I applied in Feb 2021 with my last inquiry back in May 2020 with around 750 at the time! Got approved! :D

@MarkReese 3 жыл бұрын

Saweeet! Congrats to you as well! 🎉🙌

@justrelax6866 2 жыл бұрын

Got it approved with $500 CL, lol. Applied for 2 cards a month ago, but it still worth it to risk myself to get the card

@MarkReese 2 жыл бұрын

Awesome! Congrats on your approval 👊😃💯 It's a fantastic card to have.

@fiduciary2244 3 жыл бұрын

You have a great relationship with US Bank for sure. I'm gardening a full year to hopefully get the Altitude Reserve

@MarkReese 3 жыл бұрын

Awesome! That Altitude Reserve is a GREAT card to have 😎💳

@scottkade8862 Жыл бұрын

My cash back set -up just got an upgrade. Made my first purchase with my new cash+ card today. 😁

@MarkReese Жыл бұрын

Boom, congrats! 💥

@BankAccountBonusCentral 3 жыл бұрын

I got denied for this one... oh well, I'm still 4/24 and will go after the Ink Preferred!

@MarkReese 3 жыл бұрын

I was denied for this card ~ 1 year ago too. This was my 2nd attempt 😁 Go get that Ink Preferred ... GREAT CARD! 💯💥

@michaelw5663 3 жыл бұрын

To be honest US Bank was not even on my radar till I started subscribing to your channel, Mark. I was just alternating between Amex and Chase until I hit 5/24...lol. I haven't applied for this card yet but I'm hoping to after I can get below 5/24 and add another Chase card to my wallet later this year. I was just approved for the US Bank Business Cash Rewards Mastercard, which has no AF and a $500 intro bonus for spending $3k. Using this to profit out of paying my taxes...lol. Thank you for putting together such great content and staying to the point rather than ranting like many other youtubers!

@MarkReese 3 жыл бұрын

So glad to hear the channel has exposed you to U.S. Bank - and CONGRATS on that approval for the Business Cash card (great choice for those taxes) 😁👊 Their credit lineup is quite good, and continues to get better as they release new competitive products. Enjoy the card, and the new Chase one when that sub-5/24 status hits! 💯

@qn5947 3 жыл бұрын

Impressed that you got approved with 15 inquiries on EXP. Good job.

@MarkReese 3 жыл бұрын

Thank you! 🙌

@onuohafamily 3 жыл бұрын

Yea he does have 4 accounts including a reserve, not to mention 785 with 15 inquiries is dam good.

@MarkReese 3 жыл бұрын

@@onuohafamily - Thanks! Seems like U.S. Bank is most sensitive to the prior 6-12 months. The bulk of those inquiries occurred between 13-24 months ago 👍

@averagejoe4525 3 жыл бұрын

Shocked (and happy) that you got the card with so many INQ's. Love your channel, keep up the great work!

@MarkReese 3 жыл бұрын

Thank you! 😁🙌

@kayjoe7237 3 жыл бұрын

Mark - you take the nervousness away from me clicking the submit button. I salute you.

@MarkReese 3 жыл бұрын

Glad to hear it! 😁🙌

@LilMao 3 жыл бұрын

Dang, I wish my housing payment was $1195 lol. You probably own your place for that and your kitchen is super nice. I pay more for a studio in NYC. Can't wait to leave one day.

@MarkReese 3 жыл бұрын

Thanks; just an apartment for now! Where do ya want to go after NYC? 😃

@LilMao 3 жыл бұрын

@@MarkReese just saw this reply! Somewhere there are a decent amount of graphic design career opportunities and housing prices are affordable.

@MarkReese 3 жыл бұрын

@@LilMao - Right on! 😎👊

@LukesPointsandMiles 3 жыл бұрын

Mark is just did almost the same thing!!! I was researching this card to do a video. Im also waiting to get under 5/24 and I also gave in and applied for the card. It’s funny because I’m not even a team cash back guy but I can’t help but get 5% on two categories with no annual fee! My first US Bank card!!

@MarkReese 3 жыл бұрын

Funny how a great card on 'the other team' can still sway ya to submit that application 😂 👊 Congrats on your approval, Luke! You've got a GREAT card coming your way! 💯 Since you're a travel guy, perhaps that cash back could work well for non-chain hotels and/or regional air carriers ✈️

@F_Bibiloni 10 ай бұрын

I got approved for a $9,000 credit limit greetings from Puerto Rico 🇵🇷

@MarkReese 10 ай бұрын

Awesome, congrats! 💯

@F_Bibiloni 10 ай бұрын

@@MarkReese you should drop by and do you next vacation in Puerto Rico

@apatheticzekrom Жыл бұрын

This video was very helpful. I actually got denied because I had my equifax account frozen and this video made me realize that was probably why. Waiting on results now.

@MarkReese Жыл бұрын

Good luck with the final outcome!

@apatheticzekrom Жыл бұрын

@@MarkReese approved a few hours later 👍

@MarkReese Жыл бұрын

@@apatheticzekrom - Right on, congrats!

@MarkReese 3 жыл бұрын

Is this card on anyone else’s wish list? 😃💳

@SanchezS1998 3 жыл бұрын

Next year!

@matthewgreen4564 3 жыл бұрын

Mine. I want this and/or the go altitude

@Pazman1969 3 жыл бұрын

It sure is but still hanging on to get under 5/24

@migloz2898 3 жыл бұрын

I applied 2 weeks ago exactly, got approved, a week later and waiting on my card!!!

@danielmurphy8218 3 жыл бұрын

Absolutely, want this card bad for the home utilities 5%. Tried a player 2 move in Feb to spread out the inquiries and they denied her because our mortgage refinance wasn't 12 months old yet and they wouldn't consider the 3 years on the prior mortgage. They are such a sensitive bank

@kevjak357 2 жыл бұрын

I've seen a few videos on this card and it seems that this card is hard to get. Worth it, yes. But if you don't have a relationship with US Bank and a score near 800 or more, you're screwed. I want it, but don't have the stellar score and relationship you have Mark. Congrats though.

@MarkReese 2 жыл бұрын

Neither an 800 score nor a relationship is required 😃✌️

@StoicSolutionsPodcast 3 жыл бұрын

The phone rep isn't wholly accurate about needing all bureaus open. One can freeze one or two personal approvals and still be approved if they pull a bureau that isn't frozen. It can be strategic to intentionally freeze two busy bureaus with hopes they pull another essentially taking a free shot every 31 days [if you think you'd be denied if busy bureaus were pulled].

@MarkReese 3 жыл бұрын

Solid point Justin 👍 It wouldn't have mattered if my TU + EQ reports were frozen as U.S. Bank wasn't going to pull from those for my application 😄 And your point about freezing one in an attempt to trigger the pulling of another is totally valid! That's what I did for my BoA business card application not long ago; it worked! 😃👍

@RubySapior 3 жыл бұрын

Check out the card "Bank of Texas Visa Max Cash Preferred" Its' main feature is 5% cashback on 2 categories of choice. I don't know if you already covered this card but these 5% categories are awesome.

@MarkReese 3 жыл бұрын

Yep, another great alternative (and a great way to have multiple 5% choice cards) 😁👊

@markcantu1455 Жыл бұрын

How do you like Bank of texas max cash? I been looking for reviews on it but yet don't see any. They seem to be better than us bank due to not losing your points in a time frame. Any problems or anything I should be aware of from bank of texas?

@a3sully Жыл бұрын

When I applied for the Shoppers Cash Rewards card, I almost hit submit before remembering that I had all 3 frozen. I was thinking about this video and then it hit me that I forgot before starting the application. I can't wait till June to apply for the Cash+ card.

@MarkReese Жыл бұрын

Good memory recall! 😁💯

@Joshuastem5622 2 жыл бұрын

The only reason he got the card with so many hard inquires is because of his previous relationship with US bank.

@MarkReese 2 жыл бұрын

Could be, U.S. Bank definitely seems to favor relationships 👊

@Joshuastem5622 2 жыл бұрын

@@MarkReese Yes, definitely. Thanks for the reply! Great content 😊

@johnwick860 3 жыл бұрын

another great video, keep it up

@MarkReese 3 жыл бұрын

Thanks John!

@miguelortiz8457 3 жыл бұрын

Simply put, your videos are the best. Love your honest insight and great knowledge. I'm aiming for Chase's cards, either Sapphire Reserve or United Club. Still early on this path of credit, so I will have to be patient.

@MarkReese 3 жыл бұрын

I appreciate it, Mike! 💯 Enjoy the journey; you'll get that CSR / United Club card soon enough! 👊

@jeisiergonzalez1409 2 жыл бұрын

Just got the card, I applied for 2 capital one credit cards and then this card. Sadly only got a 500 credit limit. But idc I'm already in the ecosystem. I'll just max it for a couple of months and they should increase it little by little. At this point I'm never getting a chase card ever again🤦‍♂️😂.

@MarkReese 2 жыл бұрын

Congrats on the approval, Jeisier!

@jeisiergonzalez1409 2 жыл бұрын

@@MarkReese Thanks Mark👍😎

@tddemyers7539 Жыл бұрын

Sounds like you got a secured card

@jeisiergonzalez1409 Жыл бұрын

@@tddemyers7539 Not a secured card. No security deposit was given.

@erocktheboat 3 жыл бұрын

I’m forcing myself to garden so I can get the US Bank GO card but this is definitely another great choice!

@MarkReese 3 жыл бұрын

If you spend a lot on dining, that U.S. Bank Altitude Go card is CRAZY GOOD 🍽

@fallback8314 3 жыл бұрын

what's gardening? actual gardening with dirt and plants??

@tiffaniacarter2217 3 жыл бұрын

Great video again! I was really intrigued by what the results would be. How did you freeze your reports and can I ask why?

@MarkReese 3 жыл бұрын

I froze my Experian report in order to have Bank of America pull TransUnion. Here's a link to that video: kzfaq.info/get/bejne/oMyZZrKLqsvZnqc.html I explain all the reasons for the freeze itself at 11 min 50 sec. 👍

@NattyGymBro 3 жыл бұрын

This card has been on my list for a long time so I went ahead and applied for it. Got approved and can't wait to get it in the mail.

@MarkReese 3 жыл бұрын

BOOM! 💥 Congrats on that approval! 🔥

@fallback8314 3 жыл бұрын

how much spending limit did they give you?

@NattyGymBro 3 жыл бұрын

@@fallback8314 I want to say $10k

@leeh6705 2 жыл бұрын

15 inquires 😂 that made me giggle. No judgement from me!

@MarkReese 2 жыл бұрын

😁

@ammooth1592 3 жыл бұрын

Congratulations 👏 Reese ✔. U in the money 💰

@MarkReese 3 жыл бұрын

Thanks Marco! 😁💵

@roseemilyjackson7539 3 жыл бұрын

Thanks Sandra for connecting me to @charleshacker on telegram I got my too just off recent it cool legit no he’s great💯

@sudhisira 2 жыл бұрын

Excellent video! I too am in the "limbo" stage now though in my case it is because they want to verify identification and had me upload my DL and a live picture to confirm. I will keep checking the status line daily. Useful information to know that in your case, it came through in 4 business days / 6 calendar days. Thank you!

@MarkReese 2 жыл бұрын

Good luck! 😃💯

@PHDRPH 2 жыл бұрын

I wonder if that a good sign , asking for DL and photo upload?

@sudhisira 2 жыл бұрын

@@PHDRPH - well, at least it was not a bad thing here! I was able to get the card. I guess they asked for the DL and photo upload because in my case, there was no prior relationship ever for me with their bank. Even now, the US Bank Cash+ visa is the only account I have with them.

@PHDRPH 2 жыл бұрын

@@sudhisira congrats. I had to send DL and upload picture. My only relationship is a store branded US BANK CC. I hope I get the same response as you. It would be more upsetting to get a 👎 after furnishing that info. Thanks for responding

@PHDRPH 2 жыл бұрын

@@sudhisira 👍 just got approved. I wonder if US BANK, allows credit limit transfer from other US BANK CARDS.

@GalaxyNexus1 2 жыл бұрын

Great content. I definitely have my eyes on this card. Thanks for all the fantastic insight and info!

@MarkReese 2 жыл бұрын

Glad you enjoyed the video!

@dbest4755 Жыл бұрын

Great tutorial....do u have similar video for CITI Custom Cash ?

@MarkReese Жыл бұрын

Not exactly as I didn't apply for the Citi Custom Cash; I got it via product change. I have other videos on the card though: Review Video: kzfaq.info/get/bejne/j66aaZCLqJ6wqXU.html Unboxing Video: kzfaq.info/get/bejne/n7uaabmo2r-VYHk.html 5 Reasons Why I Like the Card: kzfaq.info/get/bejne/kMdyeLSky5etlX0.html

@realjordansmall 2 жыл бұрын

“I know I just applied for a new card a few weeks ago buuut it’s time to do it again.” Been there 😂

@MarkReese 2 жыл бұрын

Haha for sure 😂✌️

@DerikAasansLevelUpTravel 3 жыл бұрын

That was pretty cool. I learned something and its great to see you walk us though that multi-day process that can happen from time to time!!

@MarkReese 3 жыл бұрын

Glad you found it instructional! 😃👍

@mikebell958 2 жыл бұрын

Lol. I called the reconsideration line, and I was approved and still had to wait 7 to 10 days for processing.

@MarkReese 2 жыл бұрын

Haha slow process for sure, but CONGRATS on your approval! 👊💥

@mikebell958 2 жыл бұрын

@@MarkReese It was the same way with the checking account. I'm thinking about applying for the Altitude Reserve next year.

@MarkReese 2 жыл бұрын

@@mikebell958 - Great card 🏆

@mikebell958 3 жыл бұрын

Nice job.

@MarkReese 3 жыл бұрын

Thanks Mike!

@TheAfrocuban 3 жыл бұрын

My guy! Solid. Congrats on your approval, Mark! If you don't me asking, what were your inquiries in the past 6 months versus 12 months?

@MarkReese 3 жыл бұрын

Thanks Ricardo! 👊 On Experian, I had 2 inquiries in the past 6 months. 1 was from an apartment complex and the other was from a credit card (from U.S. Bank).

@toobad9914 3 жыл бұрын

Good lawd my man your inquiries is high af.. But your credit is excellent though, mines is a little low like 736. But my inquiries is not as much as yours. So I feel a lil confident after watching this video...Lol..Thanks

@MarkReese 3 жыл бұрын

Haha you got it man! Glad to instill some confidence! 😁👊

@toobad9914 3 жыл бұрын

@@MarkReeseBad news I didn't get the card. But I got approved for the Citi Diamond Preferred in the high 4 figures using your method. Thanks again dude 💪🙌🤝👍

@MarkReese 3 жыл бұрын

@@toobad9914 - Solid! Congrats on the approval for the Citi Diamond Preferred card (with a strong limit to go with it)! 👊🏆

@matthewgreen4564 3 жыл бұрын

Elan Financial offers a nearly identical card too almost every community bank farms their credit cards out to Elan which is part of Us Bank

@MarkReese 3 жыл бұрын

Great point Matthew! 😃👊

@matthewgreen4564 3 жыл бұрын

@@MarkReese Some forums/data points indicate that Elan is easier to get approved with than the parent company UsBank .

@MarkReese 3 жыл бұрын

@@matthewgreen4564 - Could be!

@robdanner3833 3 жыл бұрын

Could you specify what scores you're referencing? FICO? Vantage? model #? Thanks

@MarkReese 3 жыл бұрын

TU + EQ were from Credit Karma, so Vantage 3.0 for both of those. EX was from Experian directly, so FICO Score 8 model for that one 😃👍

@docsays 3 жыл бұрын

Congrats Mr. Reese! You the man!

@MarkReese 3 жыл бұрын

Thank you! 🙌

@StoicSolutionsPodcast 3 жыл бұрын

Why apply for this card? Altitude Connect seems to be a much better choice for $500 in year one, no AF, and then you can just product change to Cash+ in year two. The Cash+ is underwhelming giving a small signup bonus and the 5% categories won't make up for difference between Altitude Connect. The more cards you have, additionally, make the Cash+ less appealing because categories are covered by other cards. Personally, I use Cash+ for Kohl's and Best Buy making mostly with Best Buy spend. Even then, Cash+ isn't really special because I can just buy BBY gift cards at Speedway with 4x Amex Business Gold and get Speedway points. If no gcs, it's only 3% more than various 2% cards.

@dannywilson5135 3 жыл бұрын

Connect should be coming May 10!

@MarkReese 3 жыл бұрын

Totally hear ya on that one Justin! This was a long-term play for me. I wanted 5% cash back on my gym + utilities / Internet now and for years to come. Not interested in chasing a signup bonus right now (which would be case of the Altitude Connect when released) 😃👊

@sincere355 3 жыл бұрын

@@dannywilson5135 connect looks meh to me. 4x on travel but no multiplier like the AR. 2x on many categories, and the sub is only a 10% return on spend. I thought it would be much stronger.

@callmeNeno 3 жыл бұрын

You’re an hombre con cajones grandes; you’re a bad influence lol I applied for NFCU flagship two ago. No más!!!!!

@MarkReese 3 жыл бұрын

Jajaja al contrario güey ... mejor q no veas este tipo de vídeo 😂👊

@onuohafamily 3 жыл бұрын

I want this card for utilities but rn I'm putting my rent/utilities spend on SUB cards , but once there's no SUB to chase I might have to slow down for 12 months then try this card for that 5% utilities. Got my SUB for Marriot bonvoy business and about to hit the SUB for Delta platinum business and gold card probably in a week thanks to tuition and rent. Will be going after the BBP next until 4/24 then finally I can grab that CSP offer!

@MarkReese 3 жыл бұрын

Welcome bonus spend almost always offers a higher % return than regular category spend! 😁👍

@onuohafamily 3 жыл бұрын

@@MarkReese apparently that 80k offer might be going away for the csp by June but hopefully there's either a better offer or a much needed csp revamp by then

@MarkReese 3 жыл бұрын

@@onuohafamily - A refresh would be SO GREAT 😁👊 And the expiration date might be May 22nd. Here's a link to a blog post from Doctor of Credit: www.doctorofcredit.com/chase-sapphire-preferred-80000-public-online-signup-bonus-50-grocery-credit-begins-march-21

@rambosidi7634 5 ай бұрын

Yep

@MarkReese 5 ай бұрын

👊

@fuzionbranz7652 3 жыл бұрын

Do personal loans count as 5/24? love ur vids btw!!!

@MarkReese 3 жыл бұрын

Nope - only bank cards that appear on your credit report count toward 5/24 😃👍 Glad you're enjoying the vids! 🎬

@briansimpson5531 3 жыл бұрын

-Great video. Thanks for the transparency and detail.!

@MarkReese 3 жыл бұрын

You bet! Glad it was helpful! 🏆

@TheAudioCzar 2 жыл бұрын

I've been scared to apply for this card. But after seeing your inquiries and new accounts I may be in good shape. I'm going to stop in a branch next week and see if I have any preselected offers ( I have a checking and savings with them) Still kind of want to wait for a few inquiries to drop off over the summer.

@MarkReese 2 жыл бұрын

Good luck when you decide to go for it! 💯

@ChristopherczarSmith 2 жыл бұрын

@@MarkReese got approved for $20,000. I was hoping for $10,000. Very surprised at the high credit limit. This is the most anyone has given me

@MarkReese 2 жыл бұрын

@@ChristopherczarSmith - BOOM! 👊💥 A huge congrats to ya, Christopher! Enjoy the new card w/ that $20K limit!

@acdsfjhu Жыл бұрын

@@ChristopherczarSmith did you have other credit cards with those similar limits?

@johnathandebeaux5943 2 жыл бұрын

What would be the chances of getting this card with no prior affiliation with us bank, and just have gotten 2 cards in few months

@MarkReese 2 жыл бұрын

Can't say anything for sure. However, I'd personally get myself to 0 new inquiries + 0 new card accounts in the past 6 months before applying ✌️

@forestfoxurbansprawl75 3 жыл бұрын

Congrats on getting approved! 😉 I'm currently using this card until my CSP comes in the mail 😁

@MarkReese 3 жыл бұрын

Thank you - very happy to have it! Great that you've already gotten yours & CONGRATS on that CSP coming your way! 💳🎉

@justen.d.sblackburn6701 Жыл бұрын

I've got the us out to go card I wouldn't go for the cash card I like to get the Platinum Card in the future

@MarkReese Жыл бұрын

The Altitude Go is an excellent card for dining 💯

@a3sully Жыл бұрын

How inquiry sensitive and new accounts sensitive are they? Got 3 new accounts: 1 new card, 1 new loan and a mortgage in last year. 3 inquiries in the last 12 months.

@MarkReese Жыл бұрын

U.S. Bank tends to be quite sensitive to new inquiries & newly opened accounts. I'd personally want to have the prior 6 months clear.

@a3sully Жыл бұрын

@@MarkReese are they sensitive to any accounts in general open, or credit cards opened?

@MarkReese Жыл бұрын

@@a3sully - Not sure about that. I'm only aware of the credit card side.

@a3sully Жыл бұрын

@@MarkReese to be safe, I might wait till June. By then, will be 3/24, 0 inquiries in over a year, and just the new mortgage showing for accounts opened in last year. That time in the garden will probably also raise my credit scores. To me, that would be better than getting a possible denial from US Bank and wasting a hard inquiry. Also possible that Chase may give me automatic increases by then. My Freedom Flex credit limit just got passed up by Discover and Capital One is catching up to the Flex card credit limit. Discover gave me 2 credit limit increases in last 3 months, Capital one finally gave me one, Citi and Navy Federal did as well, but Chase has not increased my limits since I got the cards. Maybe I will finally get one since next month I will be under 5/24. Technically, I am now under 5/24 but I'm counting my authorized used card since with my luck I will apply for a chase card now and be denied and recon will say no it still counts. I would get that rep lol. A Freedom Unlimited sounds good in my wallet. And so does a couple US Bank cards.

@mosthated8190 Жыл бұрын

I have a pre approval letter in the mail for this card. What are the chances of actually being approved for this ? I’m already banking with them and have been for the last 4-5 years.

@MarkReese Жыл бұрын

I don't have a way to determine approval odds. If the letter is truly 'pre-approved' (and not 'pre-qualified' or 'pre-selected'), then it sounds like you've got a great shot.

@djfmf 3 жыл бұрын

I think US bank was inquiry sensitive with me and opening accounts recently. I will try with them again in a few more months. I really just want their altitude go card, but this cash plus could be another option. Btw, did you mention your credit limit? It’s a visa signature so it’s over 5k for sure.

@MarkReese 3 жыл бұрын

Both the Altitude Go and Cash+ cards would be a great combo to have! 😃👊 I didn't mention the credit limit; it was $5,000 😁

@fallback8314 3 жыл бұрын

does MC give less spending limits?

@labounti 3 жыл бұрын

4:30 Nothing looks correct my dude. I can't believe I held my breath waiting for instant approval. lol.

@labounti 3 жыл бұрын

Also, I got a new car and I'm out the credit game for a few months.... I won't even check my credit until October. I don't want to see my score :(.

@MarkReese 3 жыл бұрын

Hahaha 😂👊

@MarkReese 3 жыл бұрын

@@labounti - Congrats on the new car; enjoy! 🏎💨

@labounti 3 жыл бұрын

@@MarkReese 2020 Camaro SS ......

@MarkReese 3 жыл бұрын

@@labounti - FIRE! 🔥 Enjoy that beast!

@ReeceReviews19 Жыл бұрын

Subscribed

@MarkReese Жыл бұрын

Thanks Clarisse! 🥇

@IAmEvangelineWhite 2 жыл бұрын

Hey MarkR, Do you know how to get a Checking or Savings Account with U.S. Bank, if you live in the state of Texas? I was recently denied simply because I don't live in the right state. I was told that I could only apply for any of their Credit Cards.

@MarkReese 2 жыл бұрын

Hi Evangeline! I don't ☹️ When it comes to bank accounts, you'll need to be within the bank's geographical regions.

@KareemTaha15 2 жыл бұрын

i do! open a self directed investment account with them - you don’t even need to find it. this opened the door for me to open any other accounts with them!

@karatheythemharkins2393 3 жыл бұрын

@Mark Reese lol .... applied for it may 3 as well and it should be here soon, was told no inquiries for 6 mo and only 2 new cards in 24 mo

@MarkReese 3 жыл бұрын

A clean credit report like that should likely get an approval for a lot of people! 😁👍 Congrats Kara! 🎉🙌

@karatheythemharkins2393 3 жыл бұрын

@@MarkReese Thanks! have seen other 800 club people not get it but they had too many recent cards, my next card is the us bank altitude go next year when my oldest card in 2 years drops off

@MarkReese 3 жыл бұрын

@@karatheythemharkins2393 - Great choice! 4X on dining for a no-fee card is FANTASTIC 🏆

@karatheythemharkins2393 3 жыл бұрын

@@MarkReese exactly! the only other equivalent is a fee card and since it is a penny per point it is better than my freedom flex

@MarkReese 3 жыл бұрын

@@karatheythemharkins2393 - Yep!

@TechVHD 3 жыл бұрын

On the screen when you see that the application went through because there is an inquiry, what app/website is it that you used to check? Is it completely free?

@MarkReese 3 жыл бұрын

I used the Experian app. Yes, I use the free version 👍

@a3sully Жыл бұрын

Mark, do you remember what version of experian fico score they pulled?

@MarkReese Жыл бұрын

I don't ✌

@a3sully Жыл бұрын

@@MarkReese thanks. I have access to my fico scores and was curious since there is such a wide array depending on which fico version they look at.

@davidvallejo5867 3 жыл бұрын

Do you ever feel like you have too many cards and not enough spend ? I feel like I’ve gotten to that point. I have a chase trifecta , Amex duo , Hilton card and Marriott bonvoy business . Looking to get I’m wanting to also get under 5/24 , so i can get the Hyatt card and ink cash , so I will be gardening.

@docsays 3 жыл бұрын

- ya i requested a CLI on my discover card & was denied for "insufficient credit activity on acct".

@MarkReese 3 жыл бұрын

Haha I know what you mean; definitely important to keep your spend in mind 👍 I don't feel that way, but I definitely don't maximize all my cards to their full potential. For me, getting hands-on experience with cards so I can review them effectively for others is a big part of what I do 😁 Hyatt + Ink Cash are great cards to add!

@callmeNeno 3 жыл бұрын

@@docsays don’t bother asking discover for increase! Got denied like 3 times with your same results. I just put my Microsoft 365 personal subscription on it every month to keep it active since it’s my oldest card.

@docsays 3 жыл бұрын

@@callmeNeno - so tru Neno! Discover is my oldest acct. but its all good. Im happy with current limits.

@William-py2mi 2 ай бұрын

Mark

@MarkReese 2 ай бұрын

👍

@GoosbyGoosby 2 жыл бұрын

I had credit for seven months what’s a good unsecured for a person like me?

@MarkReese 2 жыл бұрын

Great! How was that credit built? What's your current score?

@RedRider1600 2 жыл бұрын

Does it really matter that you have a checking and or savings account with them?

@MarkReese 2 жыл бұрын

It's not required to get approved for the Cash+ Card. However, a preexisting relationship (checking, savings, other credit card, etc.) may put the odds of approval more in your favor ✌

@jordan23ww 3 жыл бұрын

I’m really interested in getting this card but I’m unsure if it’s ok to apply now or if I should wait longer. I have no prior relationship with US Bank. My card approval status is 0/6, 3/12, 11/24, my most recent card is 7 months old. Inquiries Experian 0/12, Equifax 1/12, Transunion 2/12. My Fico 8’s are Experian 768, Transunion 768 and Equifax 741. Not sure if I should wait until I’m at least 0/12 on card approvals or not? Would love to hear your opinion.

@MarkReese 3 жыл бұрын

Ooo very interesting situation (and a good one too)! How much longer until you'd be 2/12? 😃

@jordan23ww 3 жыл бұрын

@@MarkReese so on August 17 I’ll be at 2/12. On November 8 I’ll be back to 0/12.

@MarkReese 3 жыл бұрын

@@jordan23ww - Great. I'd personally get to 2/12, then apply, which was the same card-count status I had when I got my approval 👍

@jordan23ww 3 жыл бұрын

@@MarkReese awesome! Thank you so much for this info! I appreciate it!

@MarkReese 3 жыл бұрын

@@jordan23ww - Sure thing man! 👊

@tiantpassmore937 2 жыл бұрын

I would love to have this card. How long have you had a banking relationship with them. Any data points you can share. This card would be great paired with the Custom Cash cc.

@MarkReese 2 жыл бұрын

Hey Tiant! I opened my U.S. Bank Savings account in Feb. 2019 (about 3 years ago) and my Checking account in Jun. 2019 (about 2 years 7 months ago).

@tiantpassmore937 2 жыл бұрын

@@MarkReese ok thanks.. So it would be wise to open a savings/ checking before applying. Are they a relationship bank..

@MarkReese 2 жыл бұрын

@@tiantpassmore937 - Yes. The only card that _requires_ a relationship is the Altitude Reserve. However, U.S. Bank is very relationship focused, so a checking and/or savings account will likely work in your favor for a credit card approval.

@tiantpassmore937 2 жыл бұрын

@@MarkReese Thanks for the info bro💪

@MarkReese 2 жыл бұрын

@@tiantpassmore937 - You got it man!

@Zeroxx1 3 жыл бұрын

Do you have to have a relationship with US Bank to get approved for their credit cards. I live in Oklahoma and there no US Bank here. I really dont wanna take a chance on their credit cards if there just gonna reject me.

@MarkReese 3 жыл бұрын

Only the U.S. Bank Altitude Reserve card requires a preexisting relationship prior to applying. Their other cards _do not_ require a relationship 😃👍

@Zeroxx1 3 жыл бұрын

@@MarkReese I really appreciate the reply it means alot. I have 1 more question 2 ask. I heard there harder 2 get approved for than Chase. I only open 1 card about 11months ago. Should I give them a try or go with CSP im at 3/24 at the moment

@MarkReese 3 жыл бұрын

@@Zeroxx1 - What are you reasons for wanting the U.S. Bank Cash+ card?

@Zeroxx1 3 жыл бұрын

@@MarkReese I really want that new connect that they release. It has alot of things I want like gas, travel, streaming and dining but Chase is now offering that 100,000 sign-up bonus for the CSP but the earn rates are weak. 2 be honest I want them both

@MarkReese 3 жыл бұрын

@@Zeroxx1 - I like the 'both' mentality! 😁👊 In that case, my recommendation would be to get the CSP first while it has the 100K welcome offer, mainly because (a) it's a record-high offer and (b) it will not last long. Then ~ 6 months later, go get the U.S. Bank Altitude Connect card. That one will be around for awhile, and my guess is that its 50K welcome offer will either remain constant, or possibly increase at some point.

@kmb6916 3 жыл бұрын

Does one need to have prior banking relationship with US bank to be approved?

@MarkReese 3 жыл бұрын

Not for this card. That only holds true for the Altitude Reserve card 👍

@peaceful4you408 2 жыл бұрын

Wow. Dude. You had to go through a lot to get that card.

@MarkReese 2 жыл бұрын

Yep 😄👍

@eyeyamjstn628 3 жыл бұрын

When was your last personal application prior to the CASH PLUS?

@MarkReese 3 жыл бұрын

Personal app with U.S. Bank, or any issuer?

@eyeyamjstn628 3 жыл бұрын

@@MarkReese any personal application.

@MarkReese 3 жыл бұрын

@@eyeyamjstn628 - Last personal card opened prior to the U.S. Bank Cash+ card application was 9/04/2020, so about 7.5 months ago 👍

@eyeyamjstn628 3 жыл бұрын

@@MarkReese damn, how can you wait do long? as soon as I hit 6 months im applying for another card

@MarkReese 3 жыл бұрын

@@eyeyamjstn628 - Easy. I also apply for business credit cards that I value 👍

@samkawer 3 жыл бұрын

If you went to a bank and applied for a creditcard in person would your chances of approval be better

@MarkReese 3 жыл бұрын

Hey Sam - I've wondered the same thing. Not sure; I don't have any data to back up an answer.

@onuohafamily 3 жыл бұрын

Hmm from my experience when trying to apply for the freedom, the banker just told me whatever the rep on the phone said. She didn't really argue much and just repeated whatever the rep said. I guess if it's a personal banker then maybe they can push the rep or whoever is in charge to change their mind. As long as you don't have any red flags on your report that will result in instant rejection.

@jrock97nc 3 жыл бұрын

i wonder if you can use the same category every quarter. this would be perfect for my phone and cable bills.

@MarkReese 3 жыл бұрын

As long as it's available on the list, you can choose it! So if phone/cable remains, yes, you can choose that every quarter in perpetuity 😃👍

@jrock97nc 3 жыл бұрын

@@MarkReese sweet i just applied for it and got the 7-10 day deal. im 799/802/789 so im shocked i didnt get approved

@averagejoe4525 3 жыл бұрын

@@jrock97nc I know USB to be INQ (usually) and New accounts sensitive. Did you open a lot of accounts in the last 12-months? That could be the reason.

@fallback8314 3 жыл бұрын

@@jrock97nc did you ever get it? you got a good chance

@jrock97nc 3 жыл бұрын

No i didn’t I was surprised. I went with the chase ink cash card. 5 percent back on both. I like the chase ecosystem better anyways.

@loyalpatriot9747 3 жыл бұрын

Dude... I get it. Everything's a gamble right? Since I just opened my FreedomFlex, I am at 4/24 with 9 inquiries in last 24 months. This December, I'll be at 3/24 with 3 inquiries. I think I'm gonna be a good boy and hit that big submit button in January. If I wait until next April, I'll be at 1/24 with 2 inquiries but I'm not going to be that good. 😎 Next card: Chase Sapphire Preferred OR Chase Sapphire Reserve OR Hilton Aspire? I also don't have a good grocery point card so also a consideration. Credit score a tick above 700. What say you? Current cards: USAA Signature Visa and Chase FreedomFlex + 2 store cards

@MarkReese 3 жыл бұрын

Get the one that rewards you best for where you spend the most (and don't yet have covered with another card) 😎👊

@pj5301 3 жыл бұрын

I really want this card but I’m not sure I have the score for it. I have an Experian FICO 8 score of 709, Experian FICO 9 score of 769, Equifax FICO 8 score of 690 and TransUnion FICO 8 score of 673. I’m stuck on what to do because I’m an Apple Sheep and I’m approved for the Apple Card but I haven’t accepted it. Yet. Im planning on buying a new MB Pro when Apple announces them at WWDC along with some Air Tags. 3% back would be nice on those plus installments. I’m also prequalified for Chase Freedom Flex I guess because of existing bank accounts with them. I haven’t had any inquiries in over 2 years. How should I play this? At what intervals should I apply? Which cards first? I’d like to get the Apple Card, US Bank Cash Plus and Chase Freedom Flex. Just looking for some ideas from the experts here.

@MarkReese 3 жыл бұрын

I'd personally go for the U.S. Bank Cash+ card first to take advantage of the fact that you've got 0 inquiries. If approved, you could then choose _Electronics Stores_ as one of your 5% choice categories. The Apple Store is an eligible merchant, so you'd earn 5% on your Apple purchase instead of 3% with the Apple Card 😃💯

@pj5301 3 жыл бұрын

Mark thanks for the quick response. I really appreciate it. Do you think that my credit scores being lower than 700 will be a negative factor? My credit utilization is at 28% currently. I don’t have a prior relationship with US Bank. I’m just worried about taking an inquiry hit. The Apple Card is already a sure thing due to the soft pull. Does US Bank use FICO 8 or 9?

@MarkReese 3 жыл бұрын

@@pj5301 - Can't make any guarantees. I don't know which FICO model U.S. Bank uses. Go with what feels right to you! 😃

@guel4490 2 жыл бұрын

Ive heard if you make less than 50k income this card is harder to get? Thought on this? Also great vid!

@MarkReese 2 жыл бұрын

Haven't heard that✌ Source?

@guel4490 2 жыл бұрын

@@MarkReese Just some random stuff I came across online. Most likely a rumour then. Appreciate the response 🙏

@MarkReese 2 жыл бұрын

@@guel4490 😃👍 Banks tend to care more about income vs. debt vs. balances, etc rather than just the income number on its own. Even if someone makes $500,000 but has massive consumer debt & doesn't manage money well, that could still result in a denial. It's all about risk assessment, and a lot of factors go into it.

@clifford629 2 жыл бұрын

I was approved with income less than 50k.

@MarkReese 2 жыл бұрын

@@clifford629 - Thanks for sharing your data point! 💯

@14thegr8 3 жыл бұрын

Was planning on getting this but for some reason, I think USB will deny my application. They have rejected some acquaintances I have who have credit scores close to 800.

@loyalpatriot9747 3 жыл бұрын

It's kinda scary.. I get it. Nothing ventured, nothing gained. Just be smart and keep your inquiries low and your recent opened accounts lower

@MarkReese 3 жыл бұрын

I got denied for this card ~ 1 year ago too 😁 Didn't let that stop me though; had to do Round 2!

@averagejoe4525 3 жыл бұрын

@@MarkReese Mark, do you recall what your INQs and New Account #s were a year ago when you were denied?

@MarkReese 3 жыл бұрын

@@averagejoe4525 - No I don't 😁✌️

@fallback8314 3 жыл бұрын

LOL they ARE pretty selective

@Mr.CEO888 3 жыл бұрын

Hmmmmm you had the same shirt on for 3 days 😂

@MarkReese 3 жыл бұрын

What do you mean? 😂 Last 3 videos = 3 different shirts.

@Mr.CEO888 3 жыл бұрын

@@MarkReese lol when you called and checked the status of your account on the phone and you was approved.

@MarkReese 3 жыл бұрын

@@Mr.CEO888 - Oh haha 😂👊

@leeraym 3 жыл бұрын

do you have to have an account with US Bank to apply for their credit card?

@MarkReese 3 жыл бұрын

A preexisting relationship is only required for the U.S. Bank Altitude Reserve Card. All their other cards _do not_ require that relationship 👍

@leeraym 3 жыл бұрын

Thank You for your reply. Keep up the excellent work!!!

@MarkReese 3 жыл бұрын

@@leeraym - You got it 👊💯

@footwearXP 2 жыл бұрын

Is that an app you used to freeze and unfreeze your bureaus?

@MarkReese 2 жыл бұрын

I just use the Experian website directly to put a security freeze on ✌️

@footwearXP 2 жыл бұрын

@@MarkReese better than myfico? Also do you have to pay for it?

@MarkReese 2 жыл бұрын

@@footwearXP - I haven't used myFICO for security freezes. There's no payment.

@acdsfjhu Жыл бұрын

Of the people that get approved for this card, I'm seeing that they are starting off with much lower credit limits. Even if they have other cards with much higher limits. Is there a way to ensure that you start off with a higher limit with this card?

@MarkReese Жыл бұрын

I'm not aware of anything that can guarantee a higher limit as the decision will be based on credit score, history, income, debts, etc. So the starting limit can vary from one person to another. Credit limit increases are also an option. Furthermore, most cards with a 'Visa Signature' designation should give you at least $5K and cards with a 'Visa Infinite' designation should give you at least $10K, provided you get approved for those versions. My best guess is that those who were approved for smaller limits may have gotten the standard 'Visa' version.

@acdsfjhu Жыл бұрын

@@MarkReese Got it. Thanks!

@elandrue 3 жыл бұрын

Hey Mark. Do you think this card would work in Puerto Rico? I'm looking for this exact benefits on a card if no would have to go with either of the Chases. Thanks.

@MarkReese 3 жыл бұрын

Hi Andres - I just called a U.S. Bank representative and he confirmed that the 5% and 2% cash back categories will work internationally 👍 However, the card does have a 2% foreign transaction fee for purchases made in U.S. dollars, or a 3% foreign transaction fee for purchases made in another currency. For that reason, it doesn't make much sense to use the card outside of the U.S. because the fees would cut into the cash back you earn. It would make more sense to get a card with no foreign transaction fees that earns at least 2% 👍

@elandrue 3 жыл бұрын

@@MarkReese Hey thanks for such a quick reply. Totally get it. One thing, Puerto Rico is a US territory, we use USA dollar as currency. Did they say that Puerto Rico is considered international customer? Thanks again.

@MarkReese 3 жыл бұрын

@@elandrue - Not sure; didn’t ask about PR specifically.

@elandrue 3 жыл бұрын

@@MarkReese Thank you for your help!!! I’ll continue digging with them.

@MarkReese 3 жыл бұрын

@@elandrue - I called back. U.S. territories - including Puerto Rico - will not be charged foreign transaction fees on the Cash+ Visa Signature card. You're good to go 😎👊

@koolkixz2572 3 жыл бұрын

Is it a good idea to apply for two different US Bank cards back to back?

@MarkReese 3 жыл бұрын

Can't say for sure; not enough data points out there & I haven't tried it.

@koolkixz2572 3 жыл бұрын

@@MarkReese I recently got approved for the US Bank Altitude Go card and you honestly inspired me to apply for the US Bank Cash Plus card, but I’m not sure if they’ll accept back to back that’s why I was curious because I remember you talking about how you wanted to apply for the US Bank Altitude Go card next

@MarkReese 3 жыл бұрын

@@koolkixz2572 - Congrats on the approval for the Altitude Go! 💯 Totally up to you if you want to go for the Cash+ next in a short time frame. If you've got no more than 2-3 inquiries in the past 6 months, you might be able to get an approval. Can't guarantee it though.

@koolkixz2572 3 жыл бұрын

@@MarkReese thank you so much honestly if it wasn’t for you I wouldn’t have half the credit cards I have now I really appreciate the help🙏🏻💯

@MarkReese 3 жыл бұрын

@@koolkixz2572 - You got it! So glad to hear the videos have been beneficial to your credit journey! 🥇

@trave7644 Жыл бұрын

Did you cancel or downgrade this card since now you have Venture X?

@MarkReese Жыл бұрын

This video is about the U.S. Bank Cash+ card, which isn't related to Capital One. What do you mean?

@trave7644 Жыл бұрын

@@MarkReese Sorry, I meant Altitude reserve. Did you have have that?

@MarkReese Жыл бұрын

@@trave7644 - Yes, I do. I see the Altitude Reserve & Cash+ as very different products. One isn't meant to replace the other.

@Miguel_Garcia. Жыл бұрын

What card should I apply for I have no credit history

@MarkReese Жыл бұрын

Who do you bank with?

@Miguel_Garcia. Жыл бұрын

@@MarkReese us bank

@MarkReese Жыл бұрын

@@Miguel_Garcia. - Are you enrolled in a university?

@Miguel_Garcia. Жыл бұрын

@@MarkReese no tech school

@MarkReese Жыл бұрын

@@Miguel_Garcia. - Take a look at these 2: - U.S. Bank Altitude Go Secured Visa Card - U.S. Bank Cash+ Secured Visa Card Secured cards are a great way to start your credit journey, and going with a bank where you already have a relationship may help with approvals. Here's a link to a video explaining how secured cards work: kzfaq.info/get/bejne/l9F1lsp-vb3Kfmw.html

@footwearXP 2 жыл бұрын

Just out of curiosity, were you 0/6 and 1/12? Or 1/6?

@MarkReese 2 жыл бұрын

I don't remember 😬

@footwearXP 2 жыл бұрын

@@MarkReese ahhhh 😫😆😆😆 I really want the altitude go but I recently got a card in august, and a charge card on November, but I don’t have an account with USB

@MarkReese 2 жыл бұрын

@@footwearXP - Meaning you've gotten 1 new card in 2021?

@footwearXP 2 жыл бұрын

@@MarkReese yes I have

@MarkReese 2 жыл бұрын

@@footwearXP - Cool. You should be in good shape when you're ready to apply. I can't guarantee anything, nor can I recommend the 'perfect day' to submit an application...that doesn't exist 😄✌️

@joeprencipe2481 3 жыл бұрын

What was your starting limit, will you recon it (TU pull)

@MarkReese 3 жыл бұрын

$5K starting limit. Going to leave as is 👍

@joeprencipe2481 3 жыл бұрын

@@MarkReesenow I remember the business leverage application

@MarkReese 3 жыл бұрын

@@joeprencipe2481 - Yep! I've got enough credit with U.S. Bank for now 👍

@amichii19 Жыл бұрын

Wow. This was helpful. Thank you. I wish I saw this earlier. I have 5 credit cards including U.S. Bank Cash+. I didn't have a prior relationship with this bank and got approved for only $500, meanwhile, all my other credit cards (which are older) have a limit between 7.8k-16.5k 😂

@MarkReese Жыл бұрын

Glad it was helpful! The Cash+ is a great card 💵

@acdsfjhu Жыл бұрын

$500! Thats ridiculous. Is there anything you can do to start off with a higher limit?

@MarkReese Жыл бұрын

@@acdsfjhu - I'm not aware of anything that can guarantee a higher limit as the decision will be based on credit score, history, income, debts, etc. So the starting limit can vary from one person to another. Credit limit increases are also an option. Furthermore, most cards with a 'Visa Signature' designation should give you at least $5K and cards with a 'Visa Infinite' designation should give you at least $10K, provided you get approved for those versions.

@F_Bibiloni 10 ай бұрын

I got approved for a $9,000 credit limit

@MrMohaa1234 3 жыл бұрын

$0 for the first 12 billion cycles? Isn’t that too much? 😹😹😹😹

@MarkReese 3 жыл бұрын

It definitely is 😂👊

@yuumsta 3 жыл бұрын

Holy crap! 16 inquires...did you get approved for those inquires?

@MarkReese 3 жыл бұрын

Nah...probably 3-4 denials in the mix 😁

@yuumsta 3 жыл бұрын

@@MarkReese thumbs down for the denials lol

@yuumsta 3 жыл бұрын

@@MarkReese gotta question: I applied for the Amex BCP in February, then gold in April. Is it safe to say to wait 3 months for applying for the platinum?

@MarkReese 3 жыл бұрын

@@yuumsta haha yep 😂👎

@MarkReese 3 жыл бұрын

@@yuumsta - Can't make any guarantees, but you could be all right to go for the Platinum Card now. Normally, Amex allows you to get 2 standard credit cards within a 90-day period. That "2/90 rule" doesn't include cards with no preset spending limit, like the Platinum Card.

@Black____ Жыл бұрын

May I ask what you starting limit was?

@MarkReese Жыл бұрын

I think it was $5,000.

@NCKyle1980 3 жыл бұрын

Congratulations, Mark! :) You are the great one. haha I am happy for you! So little update from my world. I've nearly hit the spend minimum for the Propel card. I did my trip up north. Got back. Much to my surprise I had an advertisement for CSP. I'm like No freaking way lol So I tossed it aside. Then I got another mailing for Freedom Unlimited. I did the card match tool as well, again it said likely to be approved for either FU or FFMC. I again went to Chase's website prequalification and it said the same, "Can't match any offers to you." I'm like What the *!?#**#@&?? lol Then I said, "Ya know what? I have every card I want right now. Worse case Chase says no and I have one more hard inquiry. I really don't care. So I used their preselect code which during the application process they labeled as "Pre-approved" in the T&C and well it went through. So I am waiting for the physical card for the Freedom Unlimited. haha That's an easy $200 welcome bonus! With the $200 Propel and $100 Hilton .... I feel so blessed. haha You have no idea. Take care, my good sir. Best to you always. Now you just need to figure out what to use to open this envelope?!

@MarkReese 3 жыл бұрын

Awesome Kyle; congrats on your approval too! 🥇 The credit card lineup continues to grow 📈