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Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
0

USBank Denial, Got something in the mail....

[ Edited ]

So i just opened an envelope and surprise surprise i just got a USBank Card with a $9,200 limit... (my highest limit by $3k) Even though i was flat out DENIED online... what the heck?

 

edit: forgot to mention its the USBank FlexPerks rewards card


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: USBank Denial, Got something in the mail....

Congrats

Established Contributor
YahComb
Posts: 595
Registered: ‎03-10-2012
0

Re: USBank Denial, Got something in the mail....

did you apply for the cash+? IF so they will try to give you the 1% cashback card if they don't approve you for the cash+, at first  it seemed they usually only did it with people that were given less than 5K, but now i see them doing it to people approved for 7K 8K 9K lines.

EQ-736(08/14) TU-758(06/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yr AAOA: 25.8 mo
Frequent Contributor
Juan123
Posts: 496
Registered: ‎04-16-2011
0

Re: USBank Denial, Got something in the mail....

no i believe i applied for this flexperks card. i didnt apply for the cash+ card because its a visa signature card and i've heard they dont report limits so i didnt bother.


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Established Contributor
YahComb
Posts: 595
Registered: ‎03-10-2012
0

Re: USBank Denial, Got something in the mail....

well thats odd then lol. BTW i think its only BOA now that doesn't report a limit for its Visa Sigs(they do for their world mastercards though) A couple years ago pretty much nobody did but most issuers have fixed that.

 

Your flexperks is 9.2K, they don't give out Visa Sigs for that card?

EQ-736(08/14) TU-758(06/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yr AAOA: 25.8 mo
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
0

Re: USBank Denial, Got something in the mail....

wow thats wonderful news Congrats!

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: USBank Denial, Got something in the mail....


YahComb wrote:

well thats odd then lol. BTW i think its only BOA now that doesn't report a limit for its Visa Sigs(they do for their world mastercards though) A couple years ago pretty much nobody did but most issuers have fixed that.

 

Your flexperks is 9.2K, they don't give out Visa Sigs for that card?


I think they do issue those in visa siggy too. If I remember correctly, DustinK has the FlexPerks Visa Siggy.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: USBank Denial, Got something in the mail....

Congrats!! Now that would be an awesome surprise to find in the mail!!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: USBank Denial, Got something in the mail....

[ Edited ]

Juan123 wrote:

So i just opened an envelope and surprise surprise i just got a USBank Card with a $9,200 limit... (my highest limit by $3k) Even though i was flat out DENIED online... what the heck?

 

edit: forgot to mention its the USBank FlexPerks rewards card


with your scores I have no idea why they would decline you, oh and btw you know Flex points can be worth 2x their value so technically you got a potentially 4% card :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
flowfaster
Posts: 787
Registered: ‎08-30-2011
0

Re: USBank Denial, Got something in the mail....

Yeah but they need  to get rid of that FTF and then the card would be hot hot hot!

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