I was recently approved for a US Bank CC and I was so pleased with the limit I got the app itch and tried for another, but even with a 771 I got declined. So I called to ask for a recon and was told the decision was made by Advanced Resolution Services and I should speak with them. I called them and they said they don't make approval or denial decisions so they can't recon. All they can do is send me a copy of their report so I can check it for accuracy after I send in a long list of required documents.

What gives? If they don't make the decision, can I just try US Bank again? This seems ridiculous. But I don't want to waste a hard inquiry, especially when I know I meet their actual guidelines for approval.