As many of you know that I would really love that US Bank Cash+ card but unfortunately I am not in their footprint and cannot stop by a branch. So after getting offers "pre-qualified" for the Perks+ Visa Signature I did a bit of thinking and decided to accept this offer with the plan to later PC to Cash+. From experiences here many have managed to PC other cards to Cash+. So fast forward I entered the offer code into the US Bank site and instead of the 60 seconds got the 7-10 day review with "we will notifiy you by mail" ... I guess this will be my very first denial from a CCC 
Wonder who they will pull ... TU? So far no alert received.
Should not have been getting week for the detour to Cash+...lesson learnt!
I wouldn't sound the bell of doom so fast. US Bank is known to do manual reviews.
How are your ARS/Innovis reports?
@Anonymous wrote:Yes they will pull tu. Good luck!
Thanks I do not have much hope as the screen said 60 seconds (with the offer code) and it turned out to be the following answer:
- U.S. Bank Perks+ Visa Signature® Card
Your application may be subject to further verification. You will be receiving additional information in the mail in 7-10 business days. Thank you for choosing U.S. Bank.
Anyway this is not the card I want but figured it might be easier to get my Cash+ later on... ha ha... it shows we should never app for cards that we do not really want just to reach the dream card. 
@lg8302ch wrote:
@Anonymous wrote:Yes they will pull tu. Good luck!
Thanks I do not have much hope as the screen said 60 seconds (with the offer code) and it turned out to be the following answer:
- U.S. Bank Perks+ Visa Signature® Card
Your application may be subject to further verification. You will be receiving additional information in the mail in 7-10 business days. Thank you for choosing U.S. Bank.
Anyway this is not the card I want but figured it might be easier to get my Cash+ later on... ha ha... it shows we should never app for cards that we do not really want just to reach the dream card.
US Bank can be quirky but I don't think you have anything to worry about for this app.
@09Lexie wrote:I wouldn't sound the bell of doom so fast. US Bank is known to do manual reviews.
How are your ARS/Innovis reports?
not so much on it and I was hesitating to freeze them then decided to play "fair" and let the lenders pull whatever they want. Other than Discover and Cap1 nobody ever pulled these ....oh I forgot on ARS I have a US bank comment "unable to reach customer possible fraudulent app"..... oh this could be the big NO for US Bank without freezing ARS? I never applied for a US bank card and this comment is 4 years old and looks that ARS never deletes any old info even if not accurate. So if this is a denial it will be game over for these smaller data collectors like Innovis, ARS and IDA and I will put a freeze on them.
Lexie hope you are right it is just manual review - thanks for getting my hopes up
@lg8302ch wrote:
@09Lexie wrote:I wouldn't sound the bell of doom so fast. US Bank is known to do manual reviews.
How are your ARS/Innovis reports?
not so much on it and I was hesitating to freeze them then decided to play "fair" and let the lenders pull whatever they want. Other than Discover and Cap1 nobody ever pulled these ....oh I forgot on ARS I have a US bank comment "unable to reach customer possible fraudulent app"..... oh this could be the big NO for US Bank without freezing ARS? I never applied for a US bank card and this comment is 4 years old and looks that ARS never deletes any old info even if not accurate. So if this is a denial it will be game over for these smaller data collectors like Innovis, ARS and IDA and I will put a freeze on them.
Lexie hope you are right it is just manual review - thanks for getting my hopes up
Typically, for in-branch applications the process can either be instant or within 24 hours (depending on the review) but online it may take them a bit longer. Hopefully your outcome turns out positive!
@lg8302ch wrote:
@09Lexie wrote:I wouldn't sound the bell of doom so fast. US Bank is known to do manual reviews.
How are your ARS/Innovis reports?
not so much on it and I was hesitating to freeze them then decided to play "fair" and let the lenders pull whatever they want. Other than Discover and Cap1 nobody ever pulled these ....oh I forgot on ARS I have a US bank comment "unable to reach customer possible fraudulent app"..... oh this could be the big NO for US Bank without freezing ARS? I never applied for a US bank card and this comment is 4 years old and looks that ARS never deletes any old info even if not accurate. So if this is a denial it will be game over for these smaller data collectors like Innovis, ARS and IDA and I will put a freeze on them.
Lexie hope you are right it is just manual review - thanks for getting my hopes up
I wouldn't have given those jokers the chance to report, period.