thelizardking69k wrote:I was recently approved for a US Bank CC and I was so pleased with the limit I got the app itch and tried for another, but even with a 771 I got declined. So I called to ask for a recon and was told the decision was made by Advanced Resolution Services and I should speak with them. I called them and they said they don't make approval or denial decisions so they can't recon. All they can do is send me a copy of their report so I can check it for accuracy after I send in a long list of required documents.
What gives? If they don't make the decision, can I just try US Bank again? This seems ridiculous. But I don't want to waste a hard inquiry, especially when I know I meet their actual guidelines for approval.
Hey thelizardking69k!
just curious. Did they pull any other CRA report too or just ARS? If so, which one? I'm sorry to hear about the denial again! Sucks!
Starting Score: 642
thelizardking69k wrote:When I asked for the recon and was denied for the second time I just let it go, but a few weeks passed and suddenly a new account just popped up on my online banking. I called to make sure it wasn't a mistake on their part and sure enough, I got the second card after all with an equal limit to the first. I don't get it, but I'll take it.
They gave you two cards of the same type? That's hilarious. Congratulations by the way! 
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