Finally in With US Bank, Kroger Approval 1K

[chalupaman]

Kinda a low limit to start out with but I'll take it. I'm also surprised it didn't take them as long to reach a decision.

I wonder if I should update my income with them as well when I get the card. Mine total taking household income into account is around 30K and I had something less on my initial app.

For anyone wanting to get in with US Bank, it really does help to already have a checking account with them or some other product of theirs as part of a existing relationship. Also I had a bunch of inquiries on my EQ report which is what they pulled from and I even tried this card like early last month and got denied eventually. The accounts that I have right now are older than they were last month obviously with my Amex Delta turning 6 months and all so I think that also helped. The woman on recon told me I'd be getting a card in the mail soon. I also live right near a Kroger so I guess I'll be using this card towards that occasionally.

[uswala]

Congrats!

[gdale6]

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@chalupaman wrote:

Kinda a low limit to start out with but I'll take it. I'm also surprised it didn't take them as long to reach a decision.

I wonder if I should update my income with them as well when I get the card. Mine total taking household income into account is around 30K and I had something less on my initial app.

For anyone wanting to get in with US Bank, it really does help to already have a checking account with them or some other product of theirs as part of a existing relationship. Also I had a bunch of inquiries on my EQ report which is what they pulled from and I even tried this card like early last month and got denied eventually. The accounts that I have right now are older than they were last month obviously with my Amex Delta turning 6 months and all so I think that also helped. The woman on recon told me I'd be getting a card in the mail soon. I also live right near a Kroger so I guess I'll be using this card towards that occasionally.

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Grats

[CreditMagic7]

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@chalupaman wrote:

Kinda a low limit to start out with but I'll take it. I'm also surprised it didn't take them as long to reach a decision.

I wonder if I should update my income with them as well when I get the card. Mine total taking household income into account is around 30K and I had something less on my initial app.

For anyone wanting to get in with US Bank, it really does help to already have a checking account with them or some other product of theirs as part of a existing relationship. Also I had a bunch of inquiries on my EQ report which is what they pulled from and I even tried this card like early last month and got denied eventually. The accounts that I have right now are older than they were last month obviously with my Amex Delta turning 6 months and all so I think that also helped. The woman on recon told me I'd be getting a card in the mail soon. I also live right near a Kroger so I guess I'll be using this card towards that occasionally.

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Congrats! on getting in with them with the Kroger Visa.

I actually let a prequal offer for that card expire this summer that they mailed in hopes of going for the Cash+. They are my singlemost longest held CC. I have the plain jane cash rewards. Since they've nerfed the Cash+ i'm kinda in limbo and content to just ride it out to see if they might offer something else later in 2015.

[chalupaman]

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@CreditMagic7 wrote:

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@chalupaman wrote:

Kinda a low limit to start out with but I'll take it. I'm also surprised it didn't take them as long to reach a decision.

I wonder if I should update my income with them as well when I get the card. Mine total taking household income into account is around 30K and I had something less on my initial app.

For anyone wanting to get in with US Bank, it really does help to already have a checking account with them or some other product of theirs as part of a existing relationship. Also I had a bunch of inquiries on my EQ report which is what they pulled from and I even tried this card like early last month and got denied eventually. The accounts that I have right now are older than they were last month obviously with my Amex Delta turning 6 months and all so I think that also helped. The woman on recon told me I'd be getting a card in the mail soon. I also live right near a Kroger so I guess I'll be using this card towards that occasionally.

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Congrats! on getting in with them with the Kroger Visa.

I actually let a prequal offer for that card expire this summer that they mailed in hopes of going for the Cash+. They are my singlemost longest held CC. I have the plain jane cash rewards. Since they've nerfed the Cash+ i'm kinda in limbo and content to just ride it out to see if they might offer something else later in 2015.

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I'm thinking Club Carlson once I've had some history with US Bank for sure and if that doesn't work out, I guess I'll try to PC to the Cash + if possible cause I think they still have cell phone points or something.

[Anomalous]

Congratulations!

[Anonymous]

Congratulations!!

[Anonymous]

US Bank is tough. Congratulations on the approval.

[chalupaman]

I just checked this morning and the account is now listed complete with the 1K limit! Just like the recon person told me. I'm so happy that I didn't have to recon this card at all. They would have approved it even without me calling in. I'm probably gonna call them again so I can know what my APR is.

[SisterGirl]

Congrats ! 

I did my method a little opposite from you......(1) Kroger 1-2-3 (2) Checking account (3) Cash Rewards. I will likely keep the Kroger Visa because the bonus points that add up for discounted gasoline. Now that I have these 3 products, I am given access to other available offers that I didn't before !