Hello everybody! This is my first time posting on here and I actually just purchased my three bureau scores today. I really want to get a US Bank Cash+ credit card but I feel like I'd get declined because of my inquiries. My transunion score is 748 and it says that I only have 4 inquiries but I know that has to be wrong. I applied for the cash+ credit card last year on December and it got declined because of too many inquires and that was short after I aquiered about 8 synchrony credit cards which are all closed. I haven't applied for a new card that pulls transunion for a good while now but I feel like it might not be enough and US Bank pulled transunion last time. Currently I have five credit cards Amex Everyday-10,000
Amex Blue Cash Preferred-2,000
Citi Costco Signature Visa-8,500
Discover It Chrome-2,000
Gap Visa-1,000
overall I have below 10% utilization. Advice is what I'm looking for. Also my credit is super clean just very young. I'm 21 years old and my average history is 9 months.
As of 11/28/2018
They've relaxed the requirements and now issue visa signature cards with lines well below $5000. I had about the same score, the same number of cards, and roughly the same AAoA in August and was instantly approved for the FlexPerks which likely has similar requirements.
Right but I did apply last December 14th and they declined it 
Just gonna go into the branch today and get a checking and apply for the card and see what happens.
So I went and opened a checking account and then the guy told me that since I had an old auto loan and I'm getting a checking account they did a soft pull on my credit and they recommend me to get a credit card so I did and then the guy said since it's past 6 the didn't give him a response but he'll call me tomorrow to tell me what the response was. Since he said they recommended it because they did a soft pull should that be an approval?
There's no guarantee for anything sadly, but good luck with your approval! I think based on your scores you definitely are in good standing to get the card.
Congrats on going in to the branch. That's one of the recommendations I have for people.
It is likely they will give you a card, although don't be surprised if it is not a Cash+ quite yet. And don't be discouraged if it is not a Cash+ just yet.
Plenty of people here (myself included) have PC'd another US Bank card of lesser rewards into a Cash+, after some history. US Bank likes to have some history with most folks, and that history makes their better products available.
Good luck! Let us know how it works out.
If you haven't applied for a credit card in at least 6 months, i'd say you have a good chance of approval.
US Bank uses 04 Bankcard scores, and the 04 scores can really drop if you have a recent credit card on your reports. Well, at this point you just have to wait and see.
So it was turned down because of the amount of inquires. Kind of irritated because the banker told me that it should be an automatic approval and he really made that a big deal when I was there. When I talked to the underwriter she was pretty rude telling me that my new accounts are pretty excessive and that I need to show payments rather than accounts even though those accounts are all closed and I have a spotless payment history that's over two years old.