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

Established Contributor

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

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 ^_^
Message 1 of 13
12 REPLIES
Established Contributor

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

Congrats

Message 2 of 13
Established Contributor

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-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 3 of 13
Established Contributor

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 ^_^
Message 4 of 13
Established Contributor

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-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 5 of 13
Frequent Contributor

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

wow thats wonderful news Congrats!

Message 6 of 13
Established Contributor

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 Smiley Wink
Message 7 of 13
Established Contributor

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 Smiley Wink
Message 8 of 13
Established Contributor

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


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 Smiley Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 9 of 13
Established Contributor

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!

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
Message 10 of 13