topic Re: US Bank Cash+ Approval Odds in Credit Card Applications

US Bank Cash+ Approval Odds

CreditNoob23 — Mon, 24 Feb 2020 22:36:19 GMT

I've been looking at this card for almost a year now. Wondering if I should go ahead and apply now or just wait.

Equifax - Fico 8: 725

Inquiries: 5 (5/24, 0/12, 0/6)

Transunion - Fico 8: 731

Inquiries: 2 (2/24, 1/12 [Chase June 2019], 0/6)

Experian - Fico 8: 738

Inquiries: 3 (3/24, 1/12 [Chase June 2019], 0/6)

Total UTI ~ 19% and no history/relationship with U.S Bank

Re: US Bank Cash+ Approval Odds

Remedios — Mon, 24 Feb 2020 22:55:06 GMT

@CreditNoob23 wrote:
I've been looking at this card for almost a year now. Wondering if I should go ahead and apply now or just wait.

Equifax - Fico 8: 725
Inquiries: 5 (5/24, 0/12, 0/6)
Transunion - Fico 8: 731
Inquiries: 2 (2/24, 1/12 [Chase June 2019], 0/6)
Experian - Fico 8: 738
Inquiries: 3 (3/24, 1/12 [Chase June 2019], 0/6)

Total UTI ~ 19% and no history/relationship with U.S Bank

Hi and welcome to the forums

How many new accounts in the past year?

Re: US Bank Cash+ Approval Odds

CreditNoob23 — Mon, 24 Feb 2020 23:03:24 GMT

Just 1 CFU in June 2019

Re: US Bank Cash+ Approval Odds

Anonymous — Mon, 24 Feb 2020 23:10:47 GMT

Your approval odds should be pretty good with the given profile, but with US Bank you never know.

Re: US Bank Cash+ Approval Odds

Anonymous — Mon, 24 Feb 2020 23:27:49 GMT

Your profile seems good. Good luck if you decide to apply!

Re: US Bank Cash+ Approval Odds

Remedios — Mon, 24 Feb 2020 23:31:19 GMT

I think you have a decent chance with only one new account.

It's usually a single pull, so it's not that bad if it goes the wrong way

Good luck and i hope you get your approval. It's a great card

Re: US Bank Cash+ Approval Odds

addicted_to_credit — Tue, 25 Feb 2020 00:05:19 GMT

They've always pulled TransUnion for me I live in the south east. You should have a great shot at getting it. Good luck and welcome!

Re: US Bank Cash+ Approval Odds

Anonymous — Tue, 25 Feb 2020 00:12:39 GMT

I think you will be approved if I had to guess. Good luck!

Re: US Bank Cash+ Approval Odds

AllZero — Tue, 25 Feb 2020 00:30:02 GMT

Good luck on your application! Hope to read of your approval.

Re: US Bank Cash+ Approval Odds

M_Smart007 — Tue, 25 Feb 2020 16:45:36 GMT

I think you have a good chance.

Re: US Bank Cash+ Approval Odds

CreditNoob23 — Tue, 25 Feb 2020 17:35:05 GMT

Thanks everyone for your input. I'll let you know the outcome soon

Re: US Bank Cash+ Approval Odds

Remedios — Tue, 25 Feb 2020 18:07:20 GMT

Hurry up!

Re: US Bank Cash+ Approval Odds

CreditNoob23 — Tue, 25 Feb 2020 22:17:32 GMT

**Update**

Went ahead and applied. Got the 7-10 day message. I live in Florida and they pulled Equifax. Now comes the waiting game

Re: US Bank Cash+ Approval Odds

SFLSpotter9210 — Wed, 26 Feb 2020 00:23:26 GMT

I have 5 new accounts in January & February 2019 nothing since. You think I have a good chance with them? FICO 8 754 EQ 9% utilization. EDIT-->

Forget it I'm wishfully thinking. **bleep** I have too many new accounts in 2019. Amazing how you can trick your brain into telling you your good just go for it. I was just looking at the inquires not opened accounts. Maybe some other year. 😳

Re: US Bank Cash+ Approval Odds

SFLSpotter9210 — Wed, 26 Feb 2020 00:15:23 GMT

Good luck with your application and soon approval. Let us know please 👍.

Re: US Bank Cash+ Approval Odds

Anonymous — Wed, 26 Feb 2020 00:32:35 GMT

@SFLSpotter9210 wrote:
I have 5 new accounts in January & February 2019 nothing since. You think I have a good chance with them? FICO 8 754 EQ 9% utilization. EDIT-->

Forget it I'm wishfully thinking. **bleep** I have too many new accounts in 2019. Amazing how you can trick your brain into telling you your good just go for it. I was just looking at the inquires not opened accounts. Maybe some other year. 😳

I got denied with a 740+ TU score and 5 new accounts in 12 months. Open a checking account and got approved 4 months later with 3 new accounts in 12 months.

Re: US Bank Cash+ Approval Odds

Remedios — Wed, 26 Feb 2020 00:31:00 GMT

My Cash+ app was denied, and approved on recon. I thought I was a really good girl after doin' time with only two new accounts in the past year, but their UW didn't think so...

He harped a little bit about the accounts that were older than a year, so I kinda told him they were stupid accounts anyway, look at all those $0.00s. Give me something I can actually use!!!

I wasn't trying to be funny, they were stupid accounts and they are still sporting those 0s, and while they serve their purpose, I've gotten a lot of grief over them.

Morale of the story, dont be me. Ever!

Re: US Bank Cash+ Approval Odds

SFLSpotter9210 — Wed, 26 Feb 2020 00:34:42 GMT

I have those stupid accounts their called BB&T lol just to name a few. I just couldn't contain myself oh I'm not going to get a HP oh cool let's do it lol.

Re: US Bank Cash+ Approval Odds

Remedios — Wed, 26 Feb 2020 00:37:33 GMT

I was dumb enough to point to even more accounts that were so dumb, I closed them.

That was my "Look I'm crediot, look at what I did. Give me something better. The defense rests" moment 😂

I should not be allowed near phones.

Re: US Bank Cash+ Approval Odds

Remedios — Wed, 26 Feb 2020 00:38:05 GMT

@CreditNoob23 sorry...war stories and all