Jul 27, 2013, 9:20 pm
Last edit by: pgary
Best welcome bonus is 120,000
120,000 points, $75 annual fee, not waived (Premier Rewards Visa Signature Card) offer:
https://www.radissonrewardsvisa.com/...rect=plat32172
85,000 points, $75 annual fee, not waived (Premier Rewards Visa Signature Card) offer:
http://www.clubcarlsonvisa.com/credi...PremierCard.do
10x on Radisson, 5x else, Gold status. Up to 3 free nights for each $10K spend
60,000 points, $50 annual fee, not waived (Rewards Visa Signature Card) offer:
http://www.clubcarlsonvisa.com/credi...gnatureCard.do
6x on Radisson, 3x else, Silver status. Up to 3 free nights for each $10K spend
30,000 points, $0 annual fee (Rewards Visa Card) offer:
https://www.radissonrewardsvisa.com/credit/visaCard.do
6x on Radisson, 3x else. Up to 3 free nights for each $10K spend
85,000 points, $60 annual fee, not waived (Business Rewards Visa Card) offer:
http://www.clubcarlsonvisa.com/credi...usinessCard.do
10x on Radisson, 5x else, Gold status. Up to 3 free nights for each $10K spend
_______________________________________________
For discussion of posting time on the annual 40k bonus, see this thread: CC visa annual 40,000 points bonus
US Bank Reconsideration Line: 800-947-1444
Use this phone number to check your application status as well. US Bank does not send you an approval/denial email. Many data points show 8-10 business days for decision is normal. Add another 2-3 weeks after that to receive physical card.
U.S. Bank Fraud Department - 800-260-8469. This is the number to call if your card starts getting declined when you try to make a purchase.
Why is the balance due on my business card always shown as $0?
There are TWO account numbers linked to your business card: The card itself, which shows up in the same website account as any personal cards you may have. This will always show a $0 balance due.
There is a SECOND account - labeled the "Central Bill Account" - with its own account number. You must set up a separate website account with its own username and password to access the Central Bill Account. This is the account that will actually show the balance due and let you schedule a payment. Somewhere in the paperwork you received with the card or the first paper invoice, you should be able to find the Central Bill Account's number.
Setting up separate website account for business card:
These are the instructions that US Bank emailed me:
To enroll in Online Banking for your U.S. Bank Business account, start by going to usbank.com. You do not need a Personal Identification Number (PIN) in order to enroll.
Please follow these instructions to enroll in Online Banking to view or pay your account:
1. Click on the Enroll Now link on the right side of the screen.
2. Select the Business Accounts option.
3. View the Terms and Conditions and then select Enroll Now.
4. Select I do not have a U.S. Bank small business checking or savings account.
5. Select I am an authorized officer of a U.S. Bank Business Credit Card.
6. Complete Step 2 of 2.
Once you have successfully logged in, you will be able to view your business account in its entirety. When you are making a payment you will need to select the Accounts Payable account number.
Until the end of May 2015: "Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers.
From June 1 2015: free night after $10,000 spend in a year plus payment of annual fee. Note: can only be used in the U.S.
"New Account Bonus is not available to applicants who have had this Card or another Club Carlson credit card product within the last 12 months."
Forex fee is 3%
For complaints about the changes slated for May 2015, try twitter, Facebook, emails to corporate, letter writing, etc.
Facebook: https://www.facebook.com/clubcarlson?fref=ts
Twitter: https://twitter.com/ClubCarlson
USA contact # +1 (888) 288 8889
120,000 points, $75 annual fee, not waived (Premier Rewards Visa Signature Card) offer:
https://www.radissonrewardsvisa.com/...rect=plat32172
85,000 points, $75 annual fee, not waived (Premier Rewards Visa Signature Card) offer:
http://www.clubcarlsonvisa.com/credi...PremierCard.do
10x on Radisson, 5x else, Gold status. Up to 3 free nights for each $10K spend
60,000 points, $50 annual fee, not waived (Rewards Visa Signature Card) offer:
http://www.clubcarlsonvisa.com/credi...gnatureCard.do
6x on Radisson, 3x else, Silver status. Up to 3 free nights for each $10K spend
30,000 points, $0 annual fee (Rewards Visa Card) offer:
https://www.radissonrewardsvisa.com/credit/visaCard.do
6x on Radisson, 3x else. Up to 3 free nights for each $10K spend
85,000 points, $60 annual fee, not waived (Business Rewards Visa Card) offer:
http://www.clubcarlsonvisa.com/credi...usinessCard.do
10x on Radisson, 5x else, Gold status. Up to 3 free nights for each $10K spend
_______________________________________________
For discussion of posting time on the annual 40k bonus, see this thread: CC visa annual 40,000 points bonus
US Bank Reconsideration Line: 800-947-1444
Use this phone number to check your application status as well. US Bank does not send you an approval/denial email. Many data points show 8-10 business days for decision is normal. Add another 2-3 weeks after that to receive physical card.
U.S. Bank Fraud Department - 800-260-8469. This is the number to call if your card starts getting declined when you try to make a purchase.
Why is the balance due on my business card always shown as $0?
There are TWO account numbers linked to your business card: The card itself, which shows up in the same website account as any personal cards you may have. This will always show a $0 balance due.
There is a SECOND account - labeled the "Central Bill Account" - with its own account number. You must set up a separate website account with its own username and password to access the Central Bill Account. This is the account that will actually show the balance due and let you schedule a payment. Somewhere in the paperwork you received with the card or the first paper invoice, you should be able to find the Central Bill Account's number.
Setting up separate website account for business card:
These are the instructions that US Bank emailed me:
To enroll in Online Banking for your U.S. Bank Business account, start by going to usbank.com. You do not need a Personal Identification Number (PIN) in order to enroll.
Please follow these instructions to enroll in Online Banking to view or pay your account:
1. Click on the Enroll Now link on the right side of the screen.
2. Select the Business Accounts option.
3. View the Terms and Conditions and then select Enroll Now.
4. Select I do not have a U.S. Bank small business checking or savings account.
5. Select I am an authorized officer of a U.S. Bank Business Credit Card.
6. Complete Step 2 of 2.
Once you have successfully logged in, you will be able to view your business account in its entirety. When you are making a payment you will need to select the Accounts Payable account number.
From June 1 2015: free night after $10,000 spend in a year plus payment of annual fee. Note: can only be used in the U.S.
"New Account Bonus is not available to applicants who have had this Card or another Club Carlson credit card product within the last 12 months."
Forex fee is 3%
For complaints about the changes slated for May 2015, try twitter, Facebook, emails to corporate, letter writing, etc.
Facebook: https://www.facebook.com/clubcarlson?fref=ts
Twitter: https://twitter.com/ClubCarlson
USA contact # +1 (888) 288 8889
US Bank Radisson Rewards VISA (discontinued April 2022; cards to be converted)
Dec 9, 2012, 9:51 pm
#256
Join Date: May 2012
Posts: 14
It isn't for nothing...I have lots of inquiries and got approved instantly. I just think that US Bank bases their approvals on more than just credit score. It's good to read all comments in a thread before making a decision but no reason to listen to blanket statements in all caps.
If you had read through 756 posts on US banks Flexperks CC experience and this thread (254 posts), you would notice a clear trend. Nobody said credit score is the only factor. Recent inquiries are a factor for sure. Only US bank can explain how they make decisions, what other factors they use.
Yup - after reading up all 1000+ posts, we can say the risk/reward of applying for this card is not good for folks with recent inquiries.
How recent? how many? tough to judge by reading these posts.
But it is undeniable US bank's CC approval process is ancient, offers poor customer service. At the minimum they are a finicky bank.
Why would I want to wrestle with that especially when there are other CC deals from other banks? I AM TAKING A PASS ON THIS.
Dec 9, 2012, 10:38 pm
#257
Join Date: Dec 2010
Location: San Diego, CA
Programs: UA Silver/Marriott Gold/Hilton Gold
Posts: 540
I could really use this card, but considering I'm showing 8 inquiries in the past year on my Experian report (and I currently have it frozen), it might be too risky. Though I guess I could always keep Experian frozen, since I only have 3 on TU and 4 on EQ and try my luck. My scores are all upper 700s, and I don't have any credit report issues, but this still seems like a roll of the dice, which is too bad, cause it could turn 400k points into 800k points pretty quickly.
Dec 10, 2012, 5:56 am
#258
FlyerTalk Evangelist
Join Date: Aug 2011
Location: Austin, Texas
Programs: Airline nobody. Sad!
Posts: 26,062
I could really use this card, but considering I'm showing 8 inquiries in the past year on my Experian report (and I currently have it frozen), it might be too risky. Though I guess I could always keep Experian frozen, since I only have 3 on TU and 4 on EQ and try my luck. My scores are all upper 700s, and I don't have any credit report issues, but this still seems like a roll of the dice, which is too bad, cause it could turn 400k points into 800k points pretty quickly.
Dec 10, 2012, 7:41 am
#259
Join Date: Nov 2003
Location: NRT/PDX
Programs: Willamette Valley Cropdusters Silver Elite, National Tent Frequent Stay program, Ed's Rent-a-tractor
Posts: 3,357
My experience: Filled out the app, got the 7-10 day response, called the "reconsideration line" and asked about the status of my app. After pulling up my app and having a look at it, the rep put me on hold for a few minutes, came back, and told me everything looked good and that I was now in the "to be approved pile" (rep's exact words) and barring any surprises I could expect to be approved in the next few days (which I was). ^
Dec 10, 2012, 10:28 am
#260
Join Date: May 2011
Location: BKK
Programs: Hyatt Globalist, Marriott Titanium, Hilton Diamond
Posts: 1,088
True. No instant on the phone approval as with some other card issuers' reconsideration lines, but I did have a pleasant exchange with the rep.
My experience: Filled out the app, got the 7-10 day response, called the "reconsideration line" and asked about the status of my app. After pulling up my app and having a look at it, the rep put me on hold for a few minutes, came back, and told me everything looked good and that I was now in the "to be approved pile" (rep's exact words) and barring any surprises I could expect to be approved in the next few days (which I was). ^
My experience: Filled out the app, got the 7-10 day response, called the "reconsideration line" and asked about the status of my app. After pulling up my app and having a look at it, the rep put me on hold for a few minutes, came back, and told me everything looked good and that I was now in the "to be approved pile" (rep's exact words) and barring any surprises I could expect to be approved in the next few days (which I was). ^
Dec 10, 2012, 11:39 am
#261
Join Date: Apr 2012
Posts: 1,184
True. No instant on the phone approval as with some other card issuers' reconsideration lines, but I did have a pleasant exchange with the rep.
My experience: Filled out the app, got the 7-10 day response, called the "reconsideration line" and asked about the status of my app. After pulling up my app and having a look at it, the rep put me on hold for a few minutes, came back, and told me everything looked good and that I was now in the "to be approved pile" (rep's exact words) and barring any surprises I could expect to be approved in the next few days (which I was). ^
My experience: Filled out the app, got the 7-10 day response, called the "reconsideration line" and asked about the status of my app. After pulling up my app and having a look at it, the rep put me on hold for a few minutes, came back, and told me everything looked good and that I was now in the "to be approved pile" (rep's exact words) and barring any surprises I could expect to be approved in the next few days (which I was). ^
Dec 10, 2012, 12:38 pm
#262
Original Poster
Join Date: Apr 2012
Location: MKE
Programs: Hyatt Diamond, SPG Plat, Hilton Gold, Club Carlson Gold,
Posts: 639
I don't plan on adding this card to a churn until next summer but these reports are not looking good. Not sure if It should be first or last card I should apply for. It sounds like this one needs to be a one and done but I don't know if I could personally do just one card and be ok with that. 
Dec 10, 2012, 1:09 pm
#263
Suspended
Join Date: Nov 1999
Posts: 24,153
Arrived today
I applied for the Black VISA Signature and thats what they sent no schtick like they pulled with some people with the FLEX CC
fwiw I didnt get an instant approval but the 7-10 days line instead, as it was posted in the thread in the Hotels forum, log into your CC acct and then try making a res for 2 free nights and see if towards the bottom theres a Red box telling you since you're a CreditCard holder your 2nd night is free, if you see that that means you were approved for the CC
fwiw I didnt get an instant approval but the 7-10 days line instead, as it was posted in the thread in the Hotels forum, log into your CC acct and then try making a res for 2 free nights and see if towards the bottom theres a Red box telling you since you're a CreditCard holder your 2nd night is free, if you see that that means you were approved for the CC
Dec 10, 2012, 7:19 pm
#266
Join Date: May 2011
Location: BKK
Programs: Hyatt Globalist, Marriott Titanium, Hilton Diamond
Posts: 1,088
I applied for the Black VISA Signature and thats what they sent no schtick like they pulled with some people with the FLEX CC
fwiw I didnt get an instant approval but the 7-10 days line instead, as it was posted in the thread in the Hotels forum, log into your CC acct and then try making a res for 2 free nights and see if towards the bottom theres a Red box telling you since you're a CreditCard holder your 2nd night is free, if you see that that means you were approved for the CC
fwiw I didnt get an instant approval but the 7-10 days line instead, as it was posted in the thread in the Hotels forum, log into your CC acct and then try making a res for 2 free nights and see if towards the bottom theres a Red box telling you since you're a CreditCard holder your 2nd night is free, if you see that that means you were approved for the CC
Dec 10, 2012, 9:58 pm
#267
Join Date: Oct 2007
Programs: Marriott, Radisson, AA, UA
Posts: 360
A friend of mine applied. First rejection ever. It was a shock for him. LOL.
He doesn't have any cc or loan with US Bank. Has 6 figure income. Credit score in the high 700's. Always paid in full. No bad mark on credit report. But does have 8 inquiries on EX within the last 12 months though.
So look like income, credit score, or # of cc with US Banks has nothing to do with their decision. Most definitely number of recent inquiries.
He doesn't have any cc or loan with US Bank. Has 6 figure income. Credit score in the high 700's. Always paid in full. No bad mark on credit report. But does have 8 inquiries on EX within the last 12 months though.
So look like income, credit score, or # of cc with US Banks has nothing to do with their decision. Most definitely number of recent inquiries.
Dec 10, 2012, 11:18 pm
#268
Join Date: May 2011
Location: BKK
Programs: Hyatt Globalist, Marriott Titanium, Hilton Diamond
Posts: 1,088
A friend of mine applied. First rejection ever. It was a shock for him. LOL.
He doesn't have any cc or loan with US Bank. Has 6 figure income. Credit score in the high 700's. Always paid in full. No bad mark on credit report. But does have 8 inquiries on EX within the last 12 months though.
So look like income, credit score, or # of cc with US Banks has nothing to do with their decision. Most definitely number of recent inquiries.
He doesn't have any cc or loan with US Bank. Has 6 figure income. Credit score in the high 700's. Always paid in full. No bad mark on credit report. But does have 8 inquiries on EX within the last 12 months though.
So look like income, credit score, or # of cc with US Banks has nothing to do with their decision. Most definitely number of recent inquiries.
Dec 10, 2012, 11:24 pm
#269
Join Date: Oct 2003
Location: PDX/AUS
Programs: AA-UA-AS IHG-SPG-Carlson
Posts: 4,562
Activated my card that arrived in mail today.
Confirmed with rep, 30K Carlson for $1K spend,
I have the no annual fee card.
OK, 30K Carlson maybe only worth $100-200,
but better than the $50 statement credit
from the Olympic 33K promo that didn't promo.
And that free night when using points is a significant bump.
Confirmed with rep, 30K Carlson for $1K spend,
I have the no annual fee card.
OK, 30K Carlson maybe only worth $100-200,
but better than the $50 statement credit
from the Olympic 33K promo that didn't promo.
And that free night when using points is a significant bump.
Dec 11, 2012, 8:15 am
#270
Join Date: Nov 2003
Location: NRT/PDX
Programs: Willamette Valley Cropdusters Silver Elite, National Tent Frequent Stay program, Ed's Rent-a-tractor
Posts: 3,357
Note that US Bank's "to be approved pile" means you still have to pass the ARS check, which can burn you if you're applying as part of a churn. I was told multiple times I was basically approved over the phone for the olympic card, only to have ARS come and stab my application in the back a few days later.