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Consumer Reviews: US Bank Visa Platinum
Credit Scores and Lines
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of US Bank Visa Platinum
27 Reviews
Consumer Rating:
star ratingstar ratingstar ratinghalf star ratingno star rating3.7
Lowest:
620
Average Score:
703
Highest:
780
All
5 Star
22%
4 Star
37%
3 Star
29%
2 Star
7%
1 Star
3%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 765 Credit Limit: 8000 Age: 18-24
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I was happy with this card at first because I got a fairly decent credit limit. The only mistake I made was not setting up auto pay. That one late payment caused my APR to skyrocket and although my credit score was 765, it has dropped quite a bit.
 
Credit Score: 700 Credit Limit: 2500 Age: 25-34
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I've had this card for a while and I admittedly don't use it often but you would think after years of banking with US Bank and paying my card off on time, they would increase my credit limit. Unfortunately, they haven't so that's why I keep using my other cards instead.
 
Credit Score: 620 Credit Limit: 500 Age: 18-24
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I am a college student working on building credit and even though I've had a bank account with US Bank for years I could not get approved for anything. I even applied for the secured card. I've never heard of anyone being denied a secured card. But anyway, I called to ask and then I was transferred and people were supposed to get back to me. I was finally approved for this card with a very low limit. I am just not happy with the process I had to go through. Like, why didn't they just approve it in the first place
 
Credit Score: 626 Credit Limit: 500 Age: 18-24
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
All I am going to say is do not ever ever have a late payment. I was hoping when I accidentally missed I could stop them from reporting but I couldn't. This card was to help me build my credit and it seems to have made it worse. I don't know what to do now except keep paying on it with no late payments and hope they increase my limit some day.
 
Credit Score: 750 Credit Limit: 15000 Age: 35-44
Posted 02/10 2015
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Whatever you do, don't travel with this card. My purchases overseas were often blocked and I had to call because apparently card holders don't typically travel. PLUS there is a foreign transaction fee whether you use US dollars or any other currency.
 
Credit Score: 685 Credit Limit: 2000 Age: 25-34
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I got this offer in the mail. I sent in the application via snail mail and had to wait for the 7-10 day wait message. Was eventually sent an email telling me that I was approved. I do bank with them so that helps quite a bit. I got a 9 months no interest deal and 17.99% apr after that. Most of my other cards are in the 20.99 to 22.99% range so this is fine by me.
 
Credit Score: 693 Credit Limit: 2000 Age: 25-34
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I got my US Bank Platinum about two year ago. Was approved for a $2K limit and 0% Intro deal. After 6 months, the APR shot up to 23.99%. I was told that you could request for a CLI after 6 months which will result in a soft pull. I got declined but will continue to try to get my lines increase
 
Credit Score: 734 Credit Limit: 3000 Age: 18-24
Posted 12/13 2014
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Was originally approved for a $3,000 CL. But I wanted more. So I called US Bank today with a CLI request. Luckily for me, I was approved for a $2,000 increase from $3,000 to $5,000. They used the original report so new report was pulled. .