Summary
U.S. Bank frequently challenges first-time high-value transactions, especially on new accounts or cards with recent credit line increases. They prefer gradual scaling and steady use. Splitting large totals into multiple smaller purchases increases the likelihood of smooth approvals.
Best Practices
Start with a smaller trial purchase.
Split large totals into smaller increments.
Ramp gradually across several days.
Avoid sudden near-limit usage.
Notify U.S. Bank before attempting unusually high-value charges.
Terms & Contact
Support: 1-800-285-8585 (Personal) | 1-866-485-4545 (Business)