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So I applied to US Bank Flex travel rewards. Not the greatest rewards but they were offering something I use (Regus office suites and the offer was to get $450 off the price after spending $3,500 on the card after 90 days) Applied and received unable to approve. Was shocked as I don't get rejected that often LOL. I called and asked what the reason was for rejection. Analyst put me on hold and came back and said it was the computer. Call back in 7 days he said. I was like ..
I am a bit purturbed by this. How should I approach this? I am over the card already and will like the inquiry removed. Do I have a chance?
UPDATED: Approved for 6k. I will take it and you guys rock
US Bank manually reviews all applications for the most part... They don't like new accounts.. How many of your new accounts are reporting? I bank with them and get invitations all the time to apply, but I know better then to test my luck with them with a meh credit report and new accounts.. My luck I would get a 1k limit if I was lucky.
1. Didn't they pull EX?
2. you aint getting the INQ removed so you my as well either walk away from it or fight to get it!
Depends where you live certain areas of country it is EX other areas are TU...
@CreditCuriousity wrote:Depends where you live certain areas of country it is EX other areas are TU...
wish they had pulled TU for me!
@Creditaddict wrote:
@CreditCuriousity wrote:Depends where you live certain areas of country it is EX other areas are TU...
wish they had pulled TU for me!
I live in CT and they pulled TU.
@CreditCuriousity wrote:US Bank manually reviews all applications for the most part... They don't like new accounts.. How many of your new accounts are reporting? I bank with them and get invitations all the time to apply, but I know better then to test my luck with them with a meh credit report and new accounts.. My luck I would get a 1k limit if I was lucky.
Only 2 new accounts reporting for now.. other 3 (ritz, delta and discover not yet). This sucks..
2. you aint getting the INQ removed so you my as well either walk away from it or fight to get it!
That. ^
@TRC_WA wrote:2. you aint getting the INQ removed so you my as well either walk away from it or fight to get it!
That. ^
I suppose.. I just have be ready to fight then. I don't have a lot of patience but will give it a shot. Will keep you guys posted. Thanks for the responses.
I bet you made a big bad mistake!!!
Freeze your ARS/IDA reports... Guranteed the denail was due to ARS/IDA reports... They track your inquires.. Do a google search on ARS freeze and enlighten yourself on US BANK