Duane way here with how to build credit TV
and in this video I'm going to show you
the application process to one of the
u.s. bank credit cards that they offer.
As a matter of fact I'm going to be
doing the application process for the
u.s. bank cash plus signature card, but
before we get started I have a quick
message.
Once again my name is Duane with how to
build credit TV and on this channel we
talk about everything you need to know
about credit. We also talk about how to
get cash back actual cash money from
using credit cards, as well as credit
card reviews. If this sounds like
something in which you're interested be
sure to subscribe to our channel by
clicking the word subscribe below this
video to the right and click that
notification bell so you don't miss a
thing. Okay so I'm gonna go ahead and
show you the application process for the
u.s. bank cash plus signature card. A
signature card is offered by Visa and it
comes with a minimum credit limit of
five thousand dollars. So if you're not
sure if you're gonna be approved for a
credit limit of five thousand dollars
then you definitely want to make sure
you do not apply for a visa signature
card. One of the things that I learned
from this particular credit card from
u.s. bank is that this card has a
revolving credit limit. Now I know right
what does that mean. I did not know
either so I contacted customer service
and basically a revolving credit limit
works this way with US Bank I'm not sure
about other banks but this is how it
works with US Bank. So if my credit limit
is five thousand dollars I'm actually
able to charge more than five thousand
dollars or go past that credit limit.
However when I get my statement I have
to pay it down to at least five thousand
dollars or a little below five thousand
dollars. So in other words this car
doesn't have a preset spending limit or
a preset credit limit. Which i think is
kind of interesting but it does have a
limit that you're able to continue to
have and revolve month-to-month so
that's what a revolving credit limit
means. So I learned that something you in
this particular application. So what I'm
gonna do for this portion of the video
is I'm gonna jump on my laptop and let
you see the application process for the
u.s. bank cash plus signature card. I'll
see you over my laptop. Okay so as you
can see we're at the website here the US
Bank website I'm gonna apply for this US
bank credit card. The US bank cash plus
credit card I've been eyeballing this
card for a while and now the time is
right. So i'm gonna go ahead and apply
for this card today's date is august of
26. Today is Sunday I applied for two cards
on Friday so this is the third
application.
I should have applied for all three of
them on the same day but I did not for
whatever reason so I'm applying for this
card here today on Sunday August 26. So
I'm excited about the
card because they do have a sign up
bonus where you basically get five
hundred dollars cash. Not $150 cash
after you spent five hundred dollars
within the first three months and I'm
pretty excited about that. That's a
really easy minimum spend to meet so I'm
looking forward to that and meeting that
minimum spending getting that 150 bucks.
So I'm just filling out the information
here as I'm applying for this card. I
hope this is the right place to apply
for it. Alright
gotta enter my address here. I just want
to show you guys what to expect if
you're ever interested in getting this
particular credit card the u.s. bank
credit card or the u.s. bank cash plus
credit card. So that's why I'm doing this
video here and I'm really excited I've
been rebuilding my credit for quite some
time. And I'm happy that I now had a
place where I feel like I can apply for
credit cards and I don't have to worry
about not being approved for certain
cards because I've done all the work in
the last couple of years to get to a
point where I should be able to get
approved for just about any card that I
want. So the other two cards that I
applied for earlier was the Discover
card and also the American Express card
blue from American Express and so that
was pretty awesome I did get approved
for both of those and that was exciting.
I like that a lot so hopefully I get approved
for this one. I'm pretty sure I
would I will or I should so anyway here
we go we're still applying here.
This process is seems to be a little
longer just because of how they have the
website or the application spread out.
Thet ask a couple of questions and they
you know go to the next page and so on
and so forth. So we're just filling this
out here for you guys or for myself. I'm
pretty excited about this card like I
said I've had my eye on this card for a
while and this particular card is a Visa
signature card. So
that means that the minimum in order to
get this card, the credit limit or credit
line is like I think $5,000. So that's
pretty cool. I'm gonna have to skip part
of this process and jump back when I'm
further ahead because it is a long
drawn-out process as you guys can see.
Okay I think we're at a place here where
they're telling me basically what I've
been approved for I think if I'm
understanding this correctly. It says
revolve the limit is $6,000 maximum
balance transfer allowed five thousand
five hundred and twenty dollars. So I
guess my credit limit is six thousand
dollars on this card and they're asking
me if I am okay with that and if I want
to accept that. So I'll hit accept card
and then they're asking about adding
another person unto the card as an
authorized user. I'll go ahead and select
not right now. They're talking about
balance transfer again, five thousand
five hundred twenty dollars. I can
transfer up to that much. so once again I
think I got a proof for a card for six
thousand dollars with the US Bank a US
bank credit card. I'm really excited
about that they're going to mail me my
card and so I think that's pretty much
it. Thank you so much for watching this
portion of the video I'll see you back
in just one second. Thanks for watching
this video about the u.s. bank cash plus
signature card. If you liked the video
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talk about everything you need to know
about credit. Whether you're looking to
establish credit, build credit, rebuild
credit or learn more about the FICO
score and how it is comprised so you can
increase your credit score. We also
talked about how to get cash back actual
cash money from using credit cards as
well as credit card reviews. If this
sounds like something which you're
interested be sure to subscribe to our
channel and click that notification bell
so you
don't miss a thing. Once again my name is
Duane with how to build credit TV and I
approve this video. I'll see you in the
next video. Until next time take care and
be blessed. Peace!