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I app'ed for this card on Saturday, and was given the dreaded 7-10 response. I was anxious, so I called underwriting that day and the automated system gave me a denial. The day being Saturday, (and after closing time) I had to wait till today to actually speak to a person. So I gave them a call this morning, and a nice CSR lady told me that something was off on the computer with my SSN and that she would give it to underwriting for a second look. She told me to call them back in a couple of busniess days and check the status of my applicaiton.
I checked earlier this evening the automated system again (anxiously of course) and still a denial. I am weary because I know that US Bank new account and inquiry sensative, and sine the past two years I probably have around 8 accounts opened. I think they pulled TU because I see it on there Within the last 4 months I have applied for 4 cards. Marvel, Bank of America BBRs, Disney Chase, and Capital One Playstation (that was my spree sort of). The scores listed I have on TU is 747 on TU and 729 on EQ.
I know they check some other scores too... but I wasn't about to go through all the trouble of freezing those accounts for this card.
I have never missed a payment, or had a loan, or defaulted. My annual income is around $33,000 give or take.
Do you think I have a chance for this card, with recon?
Does the system update and go into processing or does it stay a denial?
I swear (although I did this after I got my Playstation Card) that I won't put in anymore apps after this!!!
I want this card for the 5% on cellphone as my bill runs almost three hundred dollars it being a family share plan.
Thanks so much for the responses.
Sabre
My experience:
I applied in May. 2 new accounts in Jan and 3 other accounts in the past year. I also applied for 3 other cards at the same time with the Cash+ being the first of four. My scores were 750+. No derogs. Income about $50K. Highest CL $12,500; Lowest APR 8.25%-13.24%. After a review they gave me $1500 CL with 24.24% APR Cash Rewards card. They no longer give the lower tier Cash Rewards card if you don't qualify for the Cash+. About a month ago I managed to PC the Cash Rewards to the Platinum Cash +. However, one can get the Visa Signature with a minimum CL of $1000.
Update: Called again today and was approved. No idea what my SL is though. Good enough for me! Discount cellphone bill here I come!
@MILOfico I didn't have a sig yet before! Just added it today. XP Yes, this is my first CC with US Bank! Hope to treat them well and reap the rewards. GL with US Bank!!! Hoping for some luv your way too! Thanks!! Now I "garden"... it is in quotation marks as it's always tenative with me till app fever hits me agian. LOL