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

Mizu wrote:

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%


 

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 


 

Oh I forgot to add, even though I went through the automated response, that phone number is still a 9-5 M-F type of line.  Kinda strange, but so is their website for pre-approval! 

Valued Contributor
Imhotrodcrazy
Posts: 1,532
Registered: ‎03-11-2009
Re: US Bank CC approval process?
Mizu wrote:

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 

 

Oh I forgot to add, even though I went through the automated response, that phone number is still a 9-5 M-F type of line.  Kinda strange, but so is their website for pre-approval! 


Hi Mizu,  Yes I applied for the line of credit and the cc at the same time.  Since I burned an inquiry I thought why not go for it. 

 

Final update:  Logged onto my online banking and there it was, showing a cc in the amount of $12,000 added to my accts.  So, in less than 48 hrs and on one phone call US Bank gave me a total of $27,000 of new credit.  I still can't believe it since I have had so much trouble getting any credit due to the fact that I have paid in cash for the past 12 yrs or so.  Needless to say I am extremely happy and glad I made the attempt.  US Bank has been good to me.  I sure hope this will help my overall score.  I thank everyone for their help and advice. 

FICOS
TU 805 11/3/14
EX 806 10/26/14
EQ 825 11/8/14
NASA 30K / / Amex 16.5k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive