What is a credit balance refund on the U.S. Bank Altitude Go? This question is about the U.S. Bank Altitude® Go Visa Signature® Card

What is a credit balance refund on the U.S. Bank Altitude Go?

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This question is about the U.S. Bank Altitude® Go Visa Signature® Card

Chip Lupo, Credit Card Writer

@CLoop • 01/20/22 This answer was first published on 01/20/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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A credit balance refund on the U.S. Bank Altitude® Go Visa Signature® Card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they overpaid.

Cardholders can request a U.S. Bank Altitude Go credit balance refund: by phone (1-800-285-8585) or by sending a written request to Cardmember Service| PO Box 6352 Fargo| ND 58125-6352. They can get their refund in the form of a check. Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one.

Please note that you are not required to request a credit balance refund if you overpay your U.S. Bank Altitude Go credit card. If you have a negative balance on your account, meaning you’ve paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, U.S. Bank is required to offer you a refund.

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How can I get a U. S. Bank Altitude Go cash advance?

To get a U.S. Bank Altitude Go cash advance:

Call U.S. Bank customer service at (800) 285-8585 and request a PIN, if you don’t already have one.
Insert the credit card at an ATM and enter the PIN.
Select the cash advance option on the ATM screen.
Enter the amount you’d like to withdraw.... read full answer

Withdraw the cash and remove the credit card from the ATM.

Before you take out a U.S. Bank Altitude Go cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a cash advance fee of 5% (min $10). There’s also a separate cash advance APR of 29.99% that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.

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What credit score do you need for the U.S. Bank Altitude Go Card?

The credit score that you need for the U.S. Bank Altitude® Go Visa Signature® Card is 750, at a minimum. That means people with excellent credit have a shot at getting approved for the U.S. Bank Altitude Go Card.

Other U.S. Bank Altitude Go Approval Requirements

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the U.S. Bank Altitude Go Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.... read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the U.S. Bank Altitude Go credit score requirement. You can check your credit score for free, right here on WalletHub.

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How much is the U.S. Bank Altitude Go cash advance fee?

The U.S. Bank Altitude® Go Visa Signature® Card cash advance fee is 3% (min. $5) to 5% (min. $10) , depending on the transaction. U.S. Bank Altitude Go cash advance fees are 3% (min. $5) for convenience checks and 5% (min. $10) for cash withdrawals in person or at an ATM.

Bear in mind that when you make a cash advance, you will incur other costs in addition to the U.S. Bank Altitude Go cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges, depending on where you withdraw the cash.... read full answer

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