[EXPIRED] U.S. Bank CC with 33,150 FlexPerks [~640 USD] travel sign up bonus, no fee
Aug 23, 2012, 9:54 am
#271
Join Date: Apr 2009
Location: 787
Programs: Too many to list
Posts: 1,306
WARNING: These jokers are apparently issuing the lower-level card even for people with $5k or higher credit lines. Just called underwriting and was told that my credit line was $9k...for the non-Signature card. So regardless of your credit line, until you have the card in hand, you don't know if you're going to get the real bonus or not. I knew about the fine print, but for larger credit lines like this, it stinks of complete bait and switch.
5K bonus points not 33K. They can shove it.
Aug 23, 2012, 10:14 am
#272
Join Date: Apr 2012
Posts: 1,184
This is totally bizarre. My wife, with a much thinner credit profile and lower score, was approved for a higher limit and the Signature, while I got shafted with the Select. Both were manually reviewed within 1 hour of each other.
Aug 23, 2012, 10:31 am
#273
Join Date: Apr 2009
Location: 787
Programs: Too many to list
Posts: 1,306
This is the same crap Barclays pulled with US Air cards last year.
Aug 23, 2012, 11:38 am
#275
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 956
Ok called the automated number and was approved. Called the credit card under writing for the card type and CL.. It's a visa sig with 10.5K nice.. I think I am going to cool down for now. 10 cards in the last 7-8 months.
Last edited by iqbalt80; Aug 23, 2012 at 11:47 am
Aug 23, 2012, 12:55 pm
#277
Join Date: Apr 2012
Location: MKE
Programs: Hyatt Diamond, SPG Plat, Hilton Gold, Club Carlson Gold,
Posts: 639
That really stinks guys, sounds like US Bank doesn't want to pay up. I thought it was bad enough they were singling out churners, but this is a little crazy. I suppose they are within their rights to do what the please with how they extend credit.
Aug 23, 2012, 3:40 pm
#278
Join Date: May 2011
Posts: 7
WARNING: These jokers are apparently issuing the lower-level card even for people with $5k or higher credit lines. Just called underwriting and was told that my credit line was $9k...for the non-Signature card. So regardless of your credit line, until you have the card in hand, you don't know if you're going to get the real bonus or not. I knew about the fine print, but for larger credit lines like this, it stinks of complete bait and switch.
So I called card member services right away and explained that the underwriter said I qualified for the min. credit limit but got the select card instead of the travel perks card. The CSR said that I did get the select card under the Olympic promo and will still be getting the 31,XXX pts if I do the min. spend w/in 5mos...so no annual fee and still get the points...looking good right now but I will call back every so often to make sure they don't do the bait and switch to 10K bonus....
Aug 23, 2012, 3:53 pm
#279
Join Date: Apr 2009
Location: 787
Programs: Too many to list
Posts: 1,306
After reading this, and the other posts given the "select" card I called to verify my "approved" (but which one!?) card...the underwriter said I got approved for the min. 5k limit, but was switched to the select card and that I must ask for an upgrade when I get my card and call card member services.
So I called card member services right away and explained that the underwriter said I qualified for the min. credit limit but got the select card instead of the travel perks card. The CSR said that I did get the select card under the Olympic promo and will still be getting the 31,XXX pts if I do the min. spend w/in 5mos...so no annual fee and still get the points...looking good right now but I will call back every so often to make sure they don't do the bait and switch to 10K bonus....
So I called card member services right away and explained that the underwriter said I qualified for the min. credit limit but got the select card instead of the travel perks card. The CSR said that I did get the select card under the Olympic promo and will still be getting the 31,XXX pts if I do the min. spend w/in 5mos...so no annual fee and still get the points...looking good right now but I will call back every so often to make sure they don't do the bait and switch to 10K bonus....
Aug 23, 2012, 3:56 pm
#280
Join Date: May 2012
Posts: 514
Neither in Olympic promotion webpage nor in Terms and Conditions can I see that the Select Rewards Card is only eligible for 5K bonus points.
Aug 23, 2012, 3:56 pm
#281
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Now that they can't game Libor rates, adjustable mortages, Wall Street and Main Street, I guess the banks just have credit card customers left to game.
At least gaming credit card customers keeps them from begging for bailouts!
At least gaming credit card customers keeps them from begging for bailouts!
Aug 23, 2012, 4:23 pm
#282
Join Date: Apr 2012
Posts: 1,184
Yes, this appears to be true...that being said, if the bonus were applicable to both, the situation would be even more backwards, because it would mean that the people who got the lesser card got the better deal (since the Select card has no annual fee). I wouldn't count on that being the case.
Aug 23, 2012, 4:33 pm
#283
Join Date: May 2012
Posts: 514
Yes, this appears to be true...that being said, if the bonus were applicable to both, the situation would be even more backwards, because it would mean that the people who got the lesser card got the better deal (since the Select card has no annual fee). I wouldn't count on that being the case.
To clarify the situation, it helps if you call them to confirm the bonus for your card. Don't even complicate the discussion by mentioning that you have been issued a Select Rewards Card, simply ask them to explain the bonus for your new card ...
Aug 23, 2012, 5:10 pm
#284
Join Date: Jan 2007
Programs: Many
Posts: 335
WARNING: These jokers are apparently issuing the lower-level card even for people with $5k or higher credit lines. Just called underwriting and was told that my credit line was $9k...for the non-Signature card. So regardless of your credit line, until you have the card in hand, you don't know if you're going to get the real bonus or not. I knew about the fine print, but for larger credit lines like this, it stinks of complete bait and switch.
Aug 23, 2012, 5:37 pm
#285
Join Date: May 2008
Programs: AA PLT 2MM
Posts: 2,026
