topic Re: US Bank Cash+ Visa Signature Approval - unknown SL in Credit Card Approvals

US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

Anonymous — Tue, 03 Dec 2019 12:38:30 GMT

As part of the recent app spree, I applied for the US Bank Cash+ Visa Signature card. This was on Saturday, Nov. 30th. The online application immediately went into manual review and I received the 3 business days message. I have been checking the secret underwriting line for status many times a day. I finally called in around 4:30 today and received the "Congratulations, you have been approved, your card will arrive in, etc." message.
 
I have to disclose that I have had US Bank as my primary checking account since 2015, and use it for paying bills and receiving income from employment. This may have contributed to approval, as I read that US Bank is very conservative. They pulled TransUnion, which I had 0 inquiries on prior to applying for the card. Very interesting as I've never seen a TU hard pull before.
 
Immediately, I called customer support at 800-USBANKS to request what the SL would be. They notified me that the card hasn't been entered into the system yet, and to check in 24 hours. I do not see it in my online account either, so I will just have to wait. I do not know if it is the downgraded "Cash Rewards" card mentioned here on myFico community, or the actual Cash+. Sorry everyone..
 
As for the reasoning behind this card, the only category I would really utilize at the moment is the 5% Fast Food. Utilities and phone bill may come in handy in the near future, but right now I do not pay for those through credit. The $150 sign up bonus is nice as usual.
 
I will keep everyone updated when I eventually receive more information..

Update: Online account shows $5,000 SL

Re: US Bank Cash+ Visa Signature Approval - unknown SL

AllZero — Mon, 02 Dec 2019 23:22:54 GMT

Congratulations on your approval!

Re: US Bank Cash+ Visa Signature Approval - unknown SL

chhull00 — Mon, 02 Dec 2019 23:46:46 GMT

Congratulations on your approval, you will totally love us bank and that card

Re: US Bank Cash+ Visa Signature Approval - unknown SL

M_Smart007 — Mon, 02 Dec 2019 23:51:00 GMT

Congrats! ..

Re: US Bank Cash+ Visa Signature Approval - unknown SL

gdale6 — Tue, 03 Dec 2019 02:49:15 GMT

A great card to have, congrats

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 03:43:23 GMT

The Cash Rewards card used to be available as an alternative if you weren’t eligible for the Cash+, but I’m almost positive that card has since been discontinued.

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 03:44:48 GMT

Congrats on the elusive Cash+ Signature!

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 03:45:36 GMT

Appreciate it, upon further research I figured that out too. Any known way to see the SL other than waiting for the snail mail?

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 03:56:14 GMT

Your account should be available in their system tomorrow morning. I used to be a Supervisor in USB’s Cardmember Service and account information usually took 24 hours to register in the system. I’m sure things have since changed because it’s been 2 years, but I’d check in the morning.

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 05:06:23 GMT

I just applied for the cash visa signature and I got the 7-10 days message !!
They hard pulled Equifax witch I have 11 inquiries 😖

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 06:22:44 GMT

You can check the status with the underwriting number (800) 947-1444

You may have a chance, but from my reading they are very conservative in approving apps.

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 13:06:32 GMT

It was denied !!

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 13:35:32 GMT

Congratulations on the SL.

US Bank is a very conservative bank. I’m almost certain the only reason they approved me for the Cash+ a year ago is because my primary bank account has been USB for 3 years.

Re: US Bank Cash+ Visa Signature Approval - unknown SL

randomguy1 — Tue, 03 Dec 2019 14:58:38 GMT

@Anonymous wrote:
I just applied for the cash visa signature and I got the 7-10 days message !!
They hard pulled Equifax witch I have 11 inquiries 😖

eww. Good luck. What state are you in?

Congrats OP!

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 15:08:29 GMT

Ga, not luck, it was declined !!

Re: US Bank Cash+ Visa Signature Approval - unknown SL

Anonymous — Tue, 03 Dec 2019 16:03:15 GMT

Really surprised about that one. Reason being is you hold an Elan Visa and US Bank owns Elan Financial Services.

Re: US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

AverageJoesCredit — Tue, 03 Dec 2019 17:03:01 GMT

US Bank...the Bank for the Money ...man. Grats

Re: US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

calyx — Tue, 03 Dec 2019 17:15:34 GMT

Congrats on the new Cash+ and the very nice SL @Anonymous !

Re: US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

nuohlac — Tue, 03 Dec 2019 17:33:37 GMT

Congratulations on your approval!!!

Re: US Bank Cash+ Visa Signature Approval - Update: $5,000 SL

Meanmchine — Wed, 04 Dec 2019 02:12:01 GMT

Congrats on your approval

From one MM to another