Posts: 78
Registered: ‎11-17-2009
Re: US Bank CC approval process?

Imhotrodcrazy wrote:

I decided to take the chance on getting a US Bank cc since I don't have any cc's.  I am doing this only to get the so called mix and get some new credit since I haven't had any in a long time.  I usually just pay cash for everything since I am retired. My question is, I applied on the phone and she said I would hear in 7 - 10 days.  She also set me up with an overdraft since I have my accounts with them.  She said it would all be done under the the same inquiry so I figured why not, since I already did the inquiry.  Is 7 - 10 days typical of how US Bank does this?  Any input by those in the know would be greatly appreciated.  Thanks in advance for your time.

From my experience with them, they took 6 days to decide.  I didn't get instant approval, but I didn't have to recon either.  They just took their sweet time to decide.  I'm not sure if this is on par with what everyone else has experienced, but my father had the same thing and his credit doesn't have a scratch on it and has banked with them for over 30 years.  I'd say they are just kinda slow in deciding but in the end, it'll pay off for you.  They gave me my highest limit card ever.  Good luck and keep us posted!