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US Bank Cash + Prequalify Offer **UPDATE**

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Frequent Contributor

US Bank Cash + Prequalify Offer **UPDATE**

*UPDATE*
Called underwriting number and was told system declined due to 5 yr BK. He did recommend an underwriter look at my application and mentioned he was my first form of defense. I was also given a set APR and the terms and conditions and advised to call back later today for a decision. Hmmm? What do you think?


I checked the US Bank prequalify link and was prequalified for 3 cards. Platinum, Cash +, and Cash 360. My APRs were set at 15.99 for Platinum, and 16.99 for other two. I tried to apply, but the link seemed broken, so I applied as a regular app. Do you think that should make a difference? I also received the 7-10 day message. After I applied for theie card, I applied for the Gold Checking account since the fee is waived for card holders. That status is pending too. Any thoughts? My data points are in my signature. Thanks for any feedback!
**UPDATE**
Called App Status line and it said my application was unable to be approved. Smiley Sad I'll still call in the morning. 
|EQ 677|TU 667|EX 665| BK discharged 11/2012

[Cap 1 QS Visa $50,000] [Barclaycard CashForward World MC $25,000] [Patelco CU MC $15,000] [US Bank Cash + Visa Sig $10,000] [BofA Cash Rewards Visa Sig $10,000] [JCP $6,500] [Amazon Prime $4,000] [Target $2,000]
Message 1 of 6
5 REPLIES
Regular Contributor

Re: US Bank Cash + Prequalify Offer **UPDATE**

Any update on the checking account? I know they're similar to Chase where they like banking history with them.

If you were approved for the checking account I'd go into a branch and see who can they can refer you to.





  12/2017         11/2017       11/2017        10/2017         10/2017         08/2017         08/2017         08/2017        05/2017

Fico8 Dec 17 Exp 724, EQ 719, TU 731,
Started fresh in 2017
In the garden until AAoA is over 1 year
Message 2 of 6
Frequent Contributor

Re: US Bank Cash + Prequalify Offer **UPDATE**

Yes. Got a call from them that I had a security freeze on some unknown credit bureau. I never placed a security freeze on any bureau. They said I’d have to remove freeze or apply in a branch. They are a PITA! Still no word on credit card either. I’m not holding my breath at this junction!
|EQ 677|TU 667|EX 665| BK discharged 11/2012

[Cap 1 QS Visa $50,000] [Barclaycard CashForward World MC $25,000] [Patelco CU MC $15,000] [US Bank Cash + Visa Sig $10,000] [BofA Cash Rewards Visa Sig $10,000] [JCP $6,500] [Amazon Prime $4,000] [Target $2,000]
Message 3 of 6
Valued Contributor

Re: US Bank Cash + Prequalify Offer **UPDATE**

Thanks for the updates. USB can be fickle. I hope it works out. Fingers crossed 🤞 

Worlds second worst gardener.
Message 4 of 6
Community Leader
Super Contributor

Re: US Bank Cash + Prequalify Offer **UPDATE**


skorpyo3 wrote:
Yes. Got a call from them that I had a security freeze on some unknown credit bureau. I never placed a security freeze on any bureau. They said I’d have to remove freeze or apply in a branch. They are a PITA! Still no word on credit card either. I’m not holding my breath at this junction!

Yes applying for checking with US Bank is near worthless online.  Huge PITA.  If branch is close I would suggest just doing it there as it takes about 3 minutes vs. a few weeks of headaches with the incompetent online process of opening a checking account.  Only US Bank can make it so tough.  I gave up opening online due to the issue you mentioned and went into branch.  Just keep it open due to having a CC with them as it is free and never know when I will need a local checking acct. vs. my CU one

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's | US Bank | Fifth Third Bank | FNBO
Message 5 of 6
Frequent Contributor

Re: US Bank Cash + Prequalify Offer **UPDATE**


CreditCuriousity wrote:

skorpyo3 wrote:
Yes. Got a call from them that I had a security freeze on some unknown credit bureau. I never placed a security freeze on any bureau. They said I’d have to remove freeze or apply in a branch. They are a PITA! Still no word on credit card either. I’m not holding my breath at this junction!

Yes applying for checking with US Bank is near worthless online.  Huge PITA.  If branch is close I would suggest just doing it there as it takes about 3 minutes vs. a few weeks of headaches with the incompetent online process of opening a checking account.  Only US Bank can make it so tough.  I gave up opening online due to the issue you mentioned and went into branch.  Just keep it open due to having a CC with them as it is free and never know when I will need a local checking acct. vs. my CU one


No kidding! Once I am confirmed approved for the Cash + card, I'll just wait for the checking account bonus offer. Just thought it would help in the final decision of my card. Oh well...

|EQ 677|TU 667|EX 665| BK discharged 11/2012

[Cap 1 QS Visa $50,000] [Barclaycard CashForward World MC $25,000] [Patelco CU MC $15,000] [US Bank Cash + Visa Sig $10,000] [BofA Cash Rewards Visa Sig $10,000] [JCP $6,500] [Amazon Prime $4,000] [Target $2,000]
Message 6 of 6