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: