- Centurion Member
- Posts: 339
- Joined: Fri May 11, 2012 4:08 pm
- Location: Atlantic City, NJ
Yeah they sent me two Cash Rewards card. Here is a pic of the two cards side by side. The one on the left was opened in July, my first shot at the Cash+. It had a 3k limit, and was increased after one utility charge to 5k. The APR is 14.99%. The card on the right was opened in August, my second attempt at the Cash+. That one has an 8k limit and 22.99% APR(!). I think EX must be more sensitive to inquiries than the other bureaus or something, because I have had 5 EX inqs since the beginning of July, mainly from US Bank, and it dropped my EX score about 60 points (also partly due to new accounts). My TU and EQ are still in the 730s-- all FICOs from lenders. But TU has gotten pummeled with inquiries and the same new accounts before, and never dipped so dramatically.
Anyways (and sorry for the pic size and quality, if you click it shouldn't be so microscopic), look at the two cards really good. The terms and conditions (other than CL and APR) are exactly the same but the design of the cards is different. The earlier one says "Flex Perks cash rewards" while the new one just says "Cash Rewards." The card on the left also has more designs in the background and although the pic makes it hard to tell, is a deeper more purplish blue color than the one on the right. Also the Visa logos are slightly different. Lastly, on the back of the cards, the card on the left has the logo for Plus, which I think is a debit processing network-- the card on the right has no debit logos. I don't know if they are redesigning the card or something, cause neither one of these is pictured on the US Bank website, only the Cash+ and the other FlexPerks cards are.
Well like I said in a different post, I'm only going to garden for what's left of 2012 so my score can begin to recover. There are only a few cards I want in 2013, but I have done very well this year, resulting in 12 new account approvals, and tons of credit and more importantly rewards. I STILL want the Cash+ card, maybe if i am lucky they will invite me to upgrade on one card at some point, if not I'll try reapplying this time next year. Not gonna sweat it for now though, I have plenty going on with rewards with my current creditors to keep me busy.
Now she's eyeless.
The snakes she held once
Eat up her hands.