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Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

US Bank Platinum Application

Applied for a joint account online... got 7-10 message

Figured I would try for one more card before the new CLD accounts start to show up on credit. 

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Super Contributor
Ron1
Posts: 5,471
Registered: ‎05-23-2009
0

Re: US Bank Platinum Application

Good Luck!!!!

 

 

Ron. 

Moderator Emeritus
beamMEup
Posts: 4,470
Registered: ‎12-31-2008
0

Re: US Bank Platinum Application

Hey, I'm rootin' for ya!

 

Just in case it makes you feel better, when BofA CLD'd DH from $4,000 on a new account to $500, nobody picked up on the change in his report.  I'll keep my fingers crossed that the same happens to you!  (The nobody picking up on it, not the CLD :smileywink: ).

Just puttin' syrup on something, don't make it pancakes.
Valued Contributor
Imhotrodcrazy
Posts: 1,554
Registered: ‎03-11-2009
0

Re: US Bank Platinum Application


Creditaddict wrote:

Applied for a joint account online... got 7-10 message

Figured I would try for one more card before the new CLD accounts start to show up on credit. 


 

Do you already have an online checking/savings with US Bank?  The reason I ask is, I do and when I applied by phone they said I would hear in 7-10 days also.  However, the very next morning when I logged onto my accounts I saw a new cc listed under my accts.  In addition, the very next day, I had a LOC added to my accts.  I never did get the 7-10 notice, just got 2 cards in the mail.  So if you have an online account already, check it each day to see if your new cc is listed.  Good luck.  US Bank has been the best bank to deal with for me.
FICOS
TU 805 12/12/14
EX 806 10/26/14
EQ 829 12/13/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

Re: US Bank Platinum Application

Declined for verification which they do through a 3rd party company... letter is in mail giving me directions on how to complete verification process at which point they will continue processing.  This is odd to me since both the primary and myself already have Us Bank Accounts and the addresses used in application match credit reports and current accounts with bank.

Anyone else gone through this process with USBank, is it good news they are even bothering with all this vs. just decline? 

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
New Member
NCUA
Posts: 7
Registered: ‎01-20-2010
0

Re: US Bank Platinum Application

:smileyindifferent: That sounds odd, but maybe they will approve you once they do their verification. Do you know the 3rd party they are using?
Valued Contributor
Imhotrodcrazy
Posts: 1,554
Registered: ‎03-11-2009
0

Re: US Bank Platinum Application

I don't understand their asking  for more verification either if you are already a customer.  But Stay with it and give them the verification that they want.  Don't give up.  I am sure all will turn out ok.  Since I applied by phone I did not have that problem.  I gave them all the info they asked for.  Good luck and hang in there.
FICOS
TU 805 12/12/14
EX 806 10/26/14
EQ 829 12/13/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Super Contributor
Ron1
Posts: 5,471
Registered: ‎05-23-2009
0

Re: US Bank Platinum Application

[ Edited ]

You should ask them what kind of verification they needed. They had no problem to verify me when I applied.I don't have any deposit account with US bank.I guess the third party may be Lexis Nexis. May be they couldn't verify you thru Lexis Nexis.

 

Ron. 

Message Edited by Ron1 on 01-21-2010 03:03 PM
Message Edited by Ron1 on 01-21-2010 03:06 PM
Message Edited by Ron1 on 01-21-2010 03:21 PM
Epic Contributor
Creditaddict
Posts: 22,067
Registered: ‎10-23-2007
0

Re: US Bank Platinum Application

I have never heard of this before either, the credit analyst I spoke with just said that it's done through 3rd party and the letter was in the mail with directions to do it.
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:

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