topic Re: US Bank Platinum Approve!!! in Credit Card Approvals

US Bank Platinum Approve!!!

Anonymous — Sun, 27 Sep 2015 04:10:15 GMT

They pulled Experian my score was 592 and got approve with a $1000 limit. I was surprise!!!

Re: US Bank Platinum Approve!!!

sreneesa — Sun, 27 Sep 2015 04:31:39 GMT

Wow! I'm surprised too. lol

But congrats! That is awesome.

Re: US Bank Platinum Approve!!!

Anonymous — Sun, 27 Sep 2015 04:39:34 GMT

Congrats!

Re: US Bank Platinum Approve!!!

OmarGB9 — Sun, 27 Sep 2015 05:14:47 GMT

Grats

Re: US Bank Platinum Approve!!!

NRB525 — Sun, 27 Sep 2015 05:25:58 GMT

Congratulations! US Bank has some good CC, you've got a good start now.

Re: US Bank Platinum Approve!!!

B335is — Sun, 27 Sep 2015 06:34:07 GMT

Congrats!

Re: US Bank Platinum Approve!!!

CreditMagic7 — Sun, 27 Sep 2015 07:23:10 GMT

Not bad at all with a 592 for a US Bank.

Congrats! on the approval.

Re: US Bank Platinum Approve!!!

Nova5041 — Sun, 27 Sep 2015 10:29:25 GMT

Super Congrats, great approval and excellent SL!!!

Re: US Bank Platinum Approve!!!

Jerry45 — Sun, 27 Sep 2015 11:26:24 GMT

Us Bank i s tough. Congrats

Re: US Bank Platinum Approve!!!

alextercero — Sun, 27 Sep 2015 17:41:59 GMT

Congrats

Re: US Bank Platinum Approve!!!

pizza1 — Sun, 27 Sep 2015 17:50:16 GMT

Im surprised as well..congrats. Was this a secured card?

Re: US Bank Platinum Approve!!!

Anonymous — Sun, 27 Sep 2015 22:23:43 GMT

@pizza1 wrote:
Im surprised as well..congrats. Was this a secured card?

Nope this is a unsecured card

Re: US Bank Platinum Approve!!!

Anonymous — Mon, 28 Sep 2015 03:12:42 GMT

Congrats!!! How many inq's? Who did they pull?? Did you pre-qual?? NOTHING comes up in prequal for me so I just keep it moving...

Re: US Bank Platinum Approve!!!

Pway — Mon, 28 Sep 2015 03:19:24 GMT

Congrats, US Bank is one of the most conservative banks out there. I am shocked to hear about this. You are one of the lucky ones.

Re: US Bank Platinum Approve!!!

Anonymous — Mon, 28 Sep 2015 03:22:39 GMT

@Anonymous wrote:
Congrats!!! How many inq's? Who did they pull?? Did you pre-qual?? NOTHING comes up in prequal for me so I just keep it moving...

They pulled experian, I kept receiving pre-approval letters in the mail. My inquires was 7. I had 3 items in collection, child support on my credit report also. Also had 2 credit cards from capital one in good standings. So yeah I was approve somehow, maybe cause I bank with them also

Re: US Bank Platinum Approve!!!

sjt — Mon, 28 Sep 2015 03:52:40 GMT

@Anonymous wrote:
They pulled Experian my score was 592 and got approve with a $1000 limit. I was surprise!!!

Congrats!

What was your credit utilization at the time you appli d.

Re: US Bank Platinum Approve!!!

Anonymous — Mon, 28 Sep 2015 04:26:52 GMT

@sjt wrote:
@Anonymous wrote:
They pulled Experian my score was 592 and got approve with a $1000 limit. I was surprise!!!
Congrats!

What was your credit utilization at the time you appli d.

Re: US Bank Platinum Approve!!!

KSK1912 — Mon, 28 Sep 2015 08:34:20 GMT

Congrats! Don't forget there is a lot more that is in the credit report than just a credit score. My scores are around 630's and i bet you if i applied right now they would not approve me just because my scores are higher. But good approval for the score, especially from USBank!

Re: US Bank Platinum Approve!!!

sjt — Mon, 28 Sep 2015 19:49:54 GMT

@KSK1912 wrote:
Congrats! Don't forget there is a lot more that is in the credit report than just a credit score. My scores are around 630's and i bet you if i applied right now they would not approve me just because my scores are higher. But good approval for the score, especially from USBank!

I remember speaking with a US Bank Credit Analyst who told me they were "Judgemental Lenders" meaning that they dont go by FICO scores when approving applications. So Im guessing they thought OP collection was insigificent, child support payment was part of debt to income ratio, payment history on other cards were positive, and the banking relationship was another positive.

Again, congrats to OP

Re: US Bank Platinum Approve!!!

dodgerslv — Mon, 28 Sep 2015 19:52:15 GMT

@Anonymous wrote:
They pulled Experian my score was 592 and got approve with a $1000 limit. I was surprise!!!

wow!!! big congrats on the approval!!!