I have an average of $8k per card on all my other cards, a 700+ score, and US Bank has not budged me past $1k after 7 years. Complete waste. I can't make any sort of purchase without going into high utilization so it just remains empty. This card has done nothing but hurt my credit. If you are fresh out of high school and building credit this may be the card for you. Otherwise, do not waste your time. US Bank does not have the means to loan to anyone.
If i could rate negative stars i would. Ive suppossedly had a fraud investigation going on since early march. I filed a police report and all the necessary paper work with the bank. Ive lost track how many times i have called, emailed, and gone into this branch to speak with someone about this claim. The other day i try to log into my account to see if there was an update. It said that the account was no longer active. So today i called the branch. The teller who answered told me that there had been no claim filed. After several different times i was told it was filed and now we were just waiting for a response. She proceeded to talk over me, being incredibly rude and unhelpful the entire time. I asked to speak to a manager. She continued to talk over me. I asked 4 more times before i was finally put on hold to speak to a manager. I was literally on hold for a half an hour. After the 30min mark i finally gave up and hung up the phone. All i know is that there is no longer an active account... sooo i have no idea what is going on with my account and apparently they dont either. I should have been notified if anything changed. Especially since this can seriously impact my credit, etc. This whole thing is absolutely ridiculous. It is clear that this bank is incredibly incompetent and unprofessional. Once (if i ever) learn what is going on with my account i will be leaving this bank. And you better believe i will be warning everyone i know to steer clear of this bank.