US Bank Cash+ app issue

[acb5456]

So I applied for the Cash+ and was approved...for a cash rewards ($3500), as I was afraid would happen. Ugh! Is there anything I can do? Anyone I can call to have it upgraded or recommend or anything? This is unfortunate :/ thanks everyone!

[enharu]

Keep the account for few months. I think you can ask for a CLI, which will be a HP, and then they can upgrade the card to cash+ in 4 months from now.

[acb5456]

Okay thanks. I hope it's a quicker process than I'm thinking (dreading).

[user5387]

Lots of threads on this topic.  US Bank likes to see experience with $5K+ lines, and $30K minimum income.

I'd use the card for a while, pay your bills faithfully, and try for a CLI or PC to Cash+ after a few months.

[lg8302ch]

Did you app in branch? 

[acb5456]

No I applied over the phone. And my income is $39,000 with a few credit limits over $5k.

[B335is]

US Bank seems to do this often. I would keep it though, I've read they are good about upgrading to Cash+ in short time.

At least you got in, they revoked my approval!

[acb5456]

Thanks! They revoked your approval?? On which card and why?!

[B335is]

---

@acb5456 wrote:
Thanks! They revoked your approval?? On which card and why?!

---

Yes, it was for Flexperks Travel Rewards (which happens to continuously scroll across the banner of this page).  She said they wanted more experience with my existing tradelines (AAoA 3 years).  I think that's their way of telling me not to app for anything for 6 months, then try again. 

I'm not sure why their website doesn't just give a pending status versus giving the details if it can't be approved - seems to unnecessarily raise expectations.