Is it ok for me to get the US Bank Cash+

For just about anything you want to get off your chest about credit cards.
4 posts
Joyal
 
Posts: 1
Joined: Mon Jun 02, 2014 11:05 am
Location: United States

Is it ok for me to get the US Bank Cash+

Postby Joyal » Mon Jun 02, 2014 11:18 am

Hello,

I am a College Student (19) and I have had a College Credit card for almost a year now. I have been paying everything I owe
after two weeks. The other day I was at the US Bank and the lady there told me.

"We don't recomend that anyone get a new card until after a year, but you are in good standing."
She said I should look into the US Bank Cash+ card as it didn't have any annual fees, and since I pay everything off I can
atleast earn rewards on it.

Do you guys have any recommendations on this matter? I don't buy anything I can't payoff so mindless spending is not an issue for me
but will the Cash+ Card be a better option than the College Student Visa? I don't intend to close the College Student Visa, I will keep it but not use it.

Thanks


Dman316
Centurion Member
Centurion Member
 
Posts: 108
Joined: Fri Mar 29, 2013 3:37 pm
Location: Pittsburgh, PA

Postby Dman316 » Mon Jun 02, 2014 4:14 pm

Joyal wrote:Hello,

I am a College Student (19) and I have had a College Credit card for almost a year now. I have been paying everything I owe
after two weeks. The other day I was at the US Bank and the lady there told me.

"We don't recomend that anyone get a new card until after a year, but you are in good standing."
She said I should look into the US Bank Cash+ card as it didn't have any annual fees, and since I pay everything off I can
atleast earn rewards on it.

Do you guys have any recommendations on this matter? I don't buy anything I can't payoff so mindless spending is not an issue for me
but will the Cash+ Card be a better option than the College Student Visa? I don't intend to close the College Student Visa, I will keep it but not use it.

Thanks


I'd say go for it. She probably means it takes a year to reach a solid history.
My Cards

Chase Freedom Visa Signature: $5.2K
Capital One Quicksilver Visa: $7.5K
Discover IT: $5.5K
Huntington Voice World Mastercard: $1.6K

In the garden indefinitely.

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Fri Jun 06, 2014 9:14 am

Sure. I have no problem with it on a personal level if you do.

lexrj
Centurion Member
Centurion Member
 
Posts: 169
Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Fri Jun 06, 2014 12:21 pm

Joyal wrote:Hello,

I am a College Student (19) and I have had a College Credit card for almost a year now. I have been paying everything I owe
after two weeks. The other day I was at the US Bank and the lady there told me.

"We don't recomend that anyone get a new card until after a year, but you are in good standing."
She said I should look into the US Bank Cash+ card as it didn't have any annual fees, and since I pay everything off I can
atleast earn rewards on it.

Do you guys have any recommendations on this matter? I don't buy anything I can't payoff so mindless spending is not an issue for me
but will the Cash+ Card be a better option than the College Student Visa? I don't intend to close the College Student Visa, I will keep it but not use it.

Thanks


Cash + it's a Visa Signature card that requires a minimum CL of 5k, otherwise they will approve you for the Platinum version which has different (worse) rewards program. That being said, the odds of being approved with a "college" income and a low student CL are low.
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 2 guests