Re: US Bank CC approval process?
12-04-2009 02:20 PM
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