Reply
Contributor
darkpearl
Posts: 82
Registered: ‎03-22-2012
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

It was an interesting journey. The day I got the card, I called the backdoor number from this board and said I wanted to cancel the card when they (1) would not upgrade it and (2) would not tell me why I was denied. So then the person who they transferred me to (to cancel the card/try to retain me) said she would upgrade me in a month. She said it was probably just the inq's why I was denied the cash+. I had not heard anything from her (she said she would call) I called and the new rep I got said there were no upgrades on my account. I was super mad but decided just to keep the card for 6 months like she suggested. Then a month later my cash+ card came unexpectedly in the mail. So... If you have inq's.... Just wait to avoid all that.

Amex BCE $14.9k --- Cap1 QS $10.5k --- US Bank Cash+ $9.5k --- Target RedCard $300
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

Hey Crashem, I pulled the trigger with a frozen ex. Got the 7-10 day reply. I checked usaa and no inq has showed up. I thought they would pull eq but they must have tried to pull ex. Lol well no harm done.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

Sounds like they tried to pull EX, are you going to unfreeze it?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
emptypockets
Posts: 1,004
Registered: ‎02-03-2009
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

[ Edited ]

flowfaster wrote:
Hey Crashem, I pulled the trigger with a frozen ex. Got the 7-10 day reply. I checked usaa and no inq has showed up. I thought they would pull eq but they must have tried to pull ex. Lol well no harm done.
Very few people get instant approval for this card. It is the holiday weekend, so the INQ prob just has not shown up yet. When I apped, they pulled TU. I am in MI.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (5), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (12/2014): 803; EX (6/14): 775
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K


LS2982 wrote:
Sounds like they tried to pull EX, are you going to unfreeze it?


No I don't think I will, I have double digit inq's on EX.  I will wait till December like I first planned to unfreeze my EX.  I just couldn't help myself. lol

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

Congrats crashem. Nice card nice limit. Its nice to see a fellow forum member rewarded with a great product by doing all the right things.

Good job :smileyhappy:

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K


flowfaster wrote:

LS2982 wrote:
Sounds like they tried to pull EX, are you going to unfreeze it?


No I don't think I will, I have double digit inq's on EX.  I will wait till December like I first planned to unfreeze my EX.  I just couldn't help myself. lol


 

I hear ya!!! I want to app for Citi but I want to meet my garden goals and be prepared to get the highest CL possible. I'm hoping i'm not blacklisted. by 7/13 I should be a go!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K


LS2982 wrote:

flowfaster wrote:

LS2982 wrote:
Sounds like they tried to pull EX, are you going to unfreeze it?


No I don't think I will, I have double digit inq's on EX.  I will wait till December like I first planned to unfreeze my EX.  I just couldn't help myself. lol


 

I hear ya!!! I want to app for Citi but I want to meet my garden goals and be prepared to get the highest CL possible. I'm hoping i'm not blacklisted. by 7/13 I should be a go!



I want citi too.  What product are you thinking of apping for?

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

[ Edited ]

I just wanted to chime in.. There is alot of info being tossed around and wanted to toss in my experience. Score was 715.. The inq's issue.. I think i have 15 (8 i think are from one car buying trip) .  Utility .. I am at 16% last time i checked. (an ashley furniture card 3800/6200  Matress firm  4500/5700  and Nfcu 14.9k/20k But we have been working hard and have paid down close to 7k in credit card debt the last 3 months ) I have quite a few cards  citi at 17.5k , amex gold and blue cash preferred 3.6k , discover 3.6k, psecu combo 20k , boa amex 7.5k(just to name a few) My AAOA is 2.6 yrs. Not the prettiest but  they still gave me a 7.5k CL


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: US Bank CASH+ Starting Limit: BANG APPROVED 25K

Well I just checked and they did end up pulling eq. OMG Im nervous.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}