topic Re: US Bank Cash+ Visa Sig Approval (Recon) in Credit Card Approvals

US Bank Cash+ Visa Sig Approval (Recon)

Anonymous — Sun, 30 Aug 2020 19:50:33 GMT

Applied two weeks ago and got the 7-10 day message. Called the UW line and found out I was denied via automated line.

The next day I called and talked to a CSR, asked if they needed any more info or clarification for approval. She looked up my app, said unless she is missing something the auto system probably flagged on something random and sent it uo for manual UW.

Fast forward after the weekend, called the automated line, found out I was approved but no more info. Four days later I get a welcome email.

SL - 5000

DPs

1/12 (Amex BCP 2 weeks before app)

2/24

FICO - All 760-780

Pulled TU only (765)

4 total INQ on report

Util - 8%

No baddies

Income - 100k

A little low in the SL, not sure if I should call recon again. Will be one of my lower SL in the last few years. I know they are more conservative.

Original denial letter stated 8 reasons for denial. So something was off I'm sure as they did not match my profile. Ex. "Too high of utilization across trade lines" and I'm at 8% PIF monthly and use AZEO.

Completes my cards for the year unless I go for another Amex. Currently BCP and Chase Trifecta in the wallet so this will fill any gaps.

Re: US Bank Cash+ Visa Sig Approval (Recon)

AllZero — Sun, 30 Aug 2020 19:53:09 GMT

Congratulations on your approval!

Re: US Bank Cash+ Visa Sig Approval (Recon)

mrcraft — Sun, 30 Aug 2020 20:00:51 GMT

Congratulations on your approval!!

Re: US Bank Cash+ Visa Sig Approval (Recon)

M_Smart007 — Sun, 30 Aug 2020 20:03:52 GMT

Congratulations on your Cash+ Recon Approval..

Re: US Bank Cash+ Visa Sig Approval (Recon)

blindambition — Sun, 30 Aug 2020 20:27:18 GMT

Way to go on your successful approval!! US Bank sure loves1/12!! 🎉

Re: US Bank Cash+ Visa Sig Approval (Recon)

gdale6 — Sun, 30 Aug 2020 20:54:00 GMT

A very good card to have in your arsenal, grats on the successful recon

Re: US Bank Cash+ Visa Sig Approval (Recon)

CreditAggie — Sun, 30 Aug 2020 21:34:50 GMT

Congratulations on your US Bank Cash+ approval!

Re: US Bank Cash+ Visa Sig Approval (Recon)

ccquest — Sun, 30 Aug 2020 21:40:00 GMT

Congrats on the new card!

Re: US Bank Cash+ Visa Sig Approval (Recon)

MyFault — Sun, 30 Aug 2020 23:16:16 GMT

Congrats on your approval!

Re: US Bank Cash+ Visa Sig Approval (Recon)

cashorcharge — Mon, 31 Aug 2020 00:56:46 GMT

Congratulations on your approval! Happy that recon worked in your favor!

Re: US Bank Cash+ Visa Sig Approval (Recon)

Credit4Growth — Mon, 31 Aug 2020 03:48:08 GMT

That did take some time but you got it. Congrats on your approval!

Re: US Bank Cash+ Visa Sig Approval (Recon)

wambeezy — Mon, 31 Aug 2020 04:39:54 GMT

Congratulations on the recon approval!

Re: US Bank Cash+ Visa Sig Approval (Recon)

Peanut4211982 — Thu, 03 Sep 2020 22:06:36 GMT

Congratulations on your approval