Valued Contributor
Imhotrodcrazy
Posts: 1,557
Registered: ‎03-11-2009
Re: US Bank CC approval process?

Mizu wrote:
How long has it been since you applied?  There is an automated number you can call to go through the steps of your application status.  I did that a few days after my application and heard the ever pleasant computer voice saying "Congratulations, you have been approved!" message.  So you might give that a go if you're itching to find out the outcome.  Thanks for keeping us posted.  I'm cheering for your happy approval!

 

Hi Mizu,

I just applied yesterday, Dec. 3.  Do you have the number, or can you tell me exactly where I can find it on line since I applied by phone. I would like to try it. Thanks in advance for the info. 

FICOS
TU 805 12/25/14
EX 806 10/26/14
EQ 829 12/27/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
Re: US Bank CC approval process?

1800-USBANKS

 

That's there general customer service number but you can ask them to be transferred to the CC dept.

Valued Contributor
Imhotrodcrazy
Posts: 1,557
Registered: ‎03-11-2009
Re: US Bank CC approval process?
[ Edited ]

Update:  Well its been less than 24 hours since I applied by phone for a cc.  I just logged onto my checking acct with US Bank and to my amazement I see that I now have a "premier line of personal credit" listed in the amount of $15,000.  I am stunned.  I can only assume that I have been approved for a cc but for what amount is still unknown.  I certainly didn't expect this, and in less than 24 hrs.  Christmas does come early sometimes.  Oh happy days. :smileyvery-happy:

 

I forgot to add, int rate on the acct is only 7.25%

Message Edited by Imhotrodcrazy on 12-04-2009 12:58 PM
Message Edited by Imhotrodcrazy on 12-04-2009 01:03 PM
FICOS
TU 805 12/25/14
EX 806 10/26/14
EQ 829 12/27/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
Re: US Bank CC approval process?
Congrats, that's awesome! Did you end up calling them to see what's the status on the cc?
Valued Contributor
Imhotrodcrazy
Posts: 1,557
Registered: ‎03-11-2009
Re: US Bank CC approval process?

YoungEntrepeneur wrote:
Congrats, that's awesome! Did you end up calling them to see what's the status on the cc?

 

Thanks.  I just happen to log onto my accts and saw it there.
FICOS
TU 805 12/25/14
EX 806 10/26/14
EQ 829 12/27/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Frequent Contributor
jausanka
Posts: 483
Registered: ‎05-06-2009
Re: US Bank CC approval process?

Possibly helpful bit of info:

 

If you don't live in a state with a USBank presence (i.e. MA like me), you will get automatically denied for a credit card through online app.  I don't think I would qualify anyway, but seeing an instant decline irritated me, so I called in to ask for a recon.  After talking to the CSR, turns out they never even pulled a report and denied me based on my address.  He then saw that I had a checking and savings account and said that since I am a current customer, he can review my application manually.  Still probably won't get approved, but at least I know it's because I'm not creditworthy, not because I live in the wrong state :smileytongue:

Valued Contributor
Imhotrodcrazy
Posts: 1,557
Registered: ‎03-11-2009
Re: US Bank CC approval process?

jausanka wrote:

Possibly helpful bit of info:

 

If you don't live in a state with a USBank presence (i.e. MA like me), you will get automatically denied for a credit card through online app.  I don't think I would qualify anyway, but seeing an instant decline irritated me, so I called in to ask for a recon.  After talking to the CSR, turns out they never even pulled a report and denied me based on my address.  He then saw that I had a checking and savings account and said that since I am a current customer, he can review my application manually.  Still probably won't get approved, but at least I know it's because I'm not creditworthy, not because I live in the wrong state :smileytongue:


 

I think you have a shot at it, since you already have acct's with them.  I am sure that helped me.  Good luck to you. 
FICOS
TU 805 12/25/14
EX 806 10/26/14
EQ 829 12/27/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Frequent Contributor
jausanka
Posts: 483
Registered: ‎05-06-2009
Re: US Bank CC approval process?

Imhotrodcrazy wrote:

 

I think you have a shot at it, since you already have acct's with them.  I am sure that helped me.  Good luck to you. 


Thanks for the good vibes.. I should have mentioned that I only have a checking savings balance of $50/$25 which has been stagnant for 3 months as I got up the courage to hit the apply button.   Only opened the accounts so that I would be a "member" when apping for credit.  Shhhhhh! :smileywink:

Got Balanced chased AND ratejacked by Citi on two separate accounts in the last two months.  Went from 5.24% on an 11.3k Diamond preferred card to a closed Diamond preferred card with a $3,820 limit and $3,780 balance at 10.24%, and from $9.5k to $7240 on a 0% intro BT Citi Select card.  So my scores are in the toilet all of a sudden (45% util, tons of INQs from mortgage shopping and an app spree in June/July), so not expecting too much from any new apps.

 

Valued Contributor
Imhotrodcrazy
Posts: 1,557
Registered: ‎03-11-2009
Re: US Bank CC approval process?

jausanka wrote:

Thanks for the good vibes.. I should have mentioned that I only have a checking savings balance of $50/$25 which has been stagnant for 3 months as I got up the courage to hit the apply button.   Only opened the accounts so that I would be a "member" when apping for credit.  Shhhhhh! :smileywink:

Got Balanced chased AND ratejacked by Citi on two separate accounts in the last two months.  Went from 5.24% on an 11.3k Diamond preferred card to a closed Diamond preferred card with a $3,820 limit and $3,780 balance at 10.24%, and from $9.5k to $7240 on a 0% intro BT Citi Select card.  So my scores are in the toilet all of a sudden (45% util, tons of INQs from mortgage shopping and an app spree in June/July), so not expecting too much from any new apps.

 


Keep the faith. 

FICOS
TU 805 12/25/14
EX 806 10/26/14
EQ 829 12/27/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Contributor
Mizu
Posts: 78
Registered: ‎11-17-2009
Re: US Bank CC approval process?

Imhotrodcrazy wrote:

Update:  Well its been less than 24 hours since I applied by phone for a cc.  I just logged onto my checking acct with US Bank and to my amazement I see that I now have a "premier line of personal credit" listed in the amount of $15,000.  I am stunned.  I can only assume that I have been approved for a cc but for what amount is still unknown.  I certainly didn't expect this, and in less than 24 hrs.  Christmas does come early sometimes.  Oh happy days. :smileyvery-happy:

 

I forgot to add, int rate on the acct is only 7.25%

Message Edited by Imhotrodcrazy on 12-04-2009 12:58 PM
Message Edited by Imhotrodcrazy on 12-04-2009 01:03 PM

 

Hotrodcrazy, did you apply for the premier line at the same time you applied for the CC?  They are definitely two different animals.  The credit criteria is a bit lower to get the permier line, from what I have heard from the bank tellers.  However, I'd say it sounds like you got yourself a big fat approval!  At least I sure hope so.  If you'd still like to check your approval status through that automated number, here it is: 1-800-360-2900