topic Re: Cash+ the Long way in Credit Card Applications

Cash+ the Long way

Anonymous — Sat, 19 Sep 2020 17:19:57 GMT

SO I am reading that opening an online checking account comes with a possible credit card offer.

I decide to give it a whirl - 0/12 Had a PenFed 12 Month Personal Loan - $0 Bal

If you only count CC -> 0/12 if you include all trade lines, then this ^^^^ gives me 1/12 - But as I mentioned, "PIF" 2 months early

SO I app the Gold account, get to the end and I have 3 choices of cards.... I originally clicked thru to USB via Experian's offer for GO!

No "GO" offered at the end...

Experian took the hit. Sprint & SBA Inq were present on EXP. TU=0 EQ=0 NOW --> EXP=3

So Much for, "They Pull TU"

No Instant anything on this deal... FICO 8 - EXP=775 EQ=790 TU=788

Still waiting for notice of the checking account. Have app ID's, but no approvals on anything yet. May have said Gold Chk was approved somewhere in the app'ing process, but have not received any online access info or Login Info.

Think weekends was a bad Idea? Was 3 cards visible a good indicator? Or is that just what everybody sees?

I love it! I waited 12 months to get all nervous again!

Re: Cash+ the Long way

Anonymous — Sun, 20 Sep 2020 07:27:30 GMT

Rolling with the Gold Checking so says the approval notice.

Cash+ still MIA

PROFILE:

AMEX 0/5400

FNBO 0/8500

Discover 0/6000

Discover 0/5000

PPMC 0/8500

Amz (Sync) 5400/8500 (Just bought 2 Laptops) ++ Accs

QS 0/6000

QS1 0/3000

PenFed 5000/15000 (BT bal)

NFCU - GO Rew 0/25000

NFCU - Plat 5000/23,400 (BT bal)

Prosper 10.0K/13.7K

PenFed 0/7500

Student Loan 4k/13.5K

CC Use/Limits: 17,500/125,800

Util: 14%

DTI: 14%

CHOPPING OFF: US Bank Cash+ makes this happan if approved.

Cabelas 0/1500

Mercury 0/6600 (Former Barclay Rewards)

Merrick 0/4000

Edits: Additional Data

Re: Cash+ the Long way

Anonymous — Sat, 19 Sep 2020 18:56:25 GMT

US Bank pulls EX in some states (which includes CO).

They like to review everything manually. Profile looks okay other than the high utilization on the Amazon. 64% isn't really that high anyway though. Just give them time.

Re: Cash+ the Long way

Anonymous — Sun, 20 Sep 2020 14:26:36 GMT

Ya, I knew they were gonna manually do this, Wishfull thinking I suppose.

I really wanted to document the attempt, sense USB seems a bit elusive.

I was hoping trending data would carry me over the finish line:

Paying $1000 p/mo on BT's (8 months in a row)

PIF all monthly activity (@ $3000 p/mo)

My report shows good cash flow. However, I wll be surprised if I get approved.

Just seems I have a little too much out there at the moment.

Thanks for encouragement!

Re: Cash+ the Long way

Anonymous — Wed, 23 Sep 2020 00:27:57 GMT

Process Update for those about to App.

End Day 3:

Cash+ No Update.

Notice of Bank Statement received - Can't login to view yet.

Seems you can't actually access the account until the Debit/ATM card arrives.

I guess enrolling the card in Online banking is what unlocks access to ~Online Banking ~

Re: Cash+ the Long way

OmarGB9 — Wed, 23 Sep 2020 03:34:23 GMT

Good luck on approval!

By the way, EX card "match" is just like CK's offers; basically just marketing and meaningless.

Re: Cash+ the Long way

mrjerry — Wed, 23 Sep 2020 04:50:17 GMT

@Anonymous wrote:
Process Update for those about to App.

End Day 3:

Cash+ No Update.

Notice of Bank Statement received - Can't login to view yet.
Seems you can't actually access the account until the Debit/ATM card arrives.
I guess enrolling the card in Online banking is what unlocks access to ~Online Banking ~

I waited 9 business days until approval for USBANK cash+. They are extremely overwhelmed right now from what an UW told me via phone call.

Re: Cash+ the Long way

Anonymous — Wed, 23 Sep 2020 05:02:24 GMT

I know, I included that piece of data just to show that I clicked thru via that source.

I also did it to see if the GO would be offered. My 1st choice is this Cash+ card.

It was a tough choice which to choose; 4% Food -vs- 5% Catagories

But, I have some coverage the food area already...

NFCU GO Rewards gives up 3% on Dining

Discover's rotating Restuarants yields 5% (current qtr)

But on Cell Phone Coverage....

My Best "Catch All" alternative is 2% - but the PCR is tied up with a 0% BT

Resulting in = QS for 1.5% on @ $200 per/mo with Sprint

So the Cash+ with 5% CB and Insurance.... Well, this baby is calling me!

Thanks for swinging by!

Edit: pardon the pun

Re: Cash+ the Long way

Anonymous — Wed, 23 Sep 2020 05:05:33 GMT

I waited 9 business days until approval for USBANK cash+. They are extremely overwhelmed right now from what an UW told me via phone call.

I believe that! I see GO ads everywhere.... I mean even more then just Google plastering it in front of me everywhere I go since I was reading about it...

Re: Cash+ the Long way

mrjerry — Wed, 23 Sep 2020 07:22:25 GMT

@Anonymous wrote:
I waited 9 business days until approval for USBANK cash+. They are extremely overwhelmed right now from what an UW told me via phone call.

I believe that! I see GO ads everywhere.... I mean even more then just Google plastering it in front of me everywhere I go since I was reading about it...

I felt the same way...

Re: Cash+ the Long way

Anonymous — Fri, 25 Sep 2020 07:01:06 GMT

@Anonymous wrote:
Process Update for those about to App.

End Day 3:

Cash+ No Update.

Notice of Bank Statement received - Can't login to view yet.
Seems you can't actually access the account until the Debit/ATM card arrives.
I guess enrolling the card in Online banking is what unlocks access to ~Online Banking ~

I was able to access the checking account immediately after approval just 2 or 3 weeks ago. The account approval page listed the checking account number and I was able to create an account using that. I received the debit card a few days after that.

Re: Cash+ the Long way

Anonymous — Fri, 25 Sep 2020 07:34:36 GMT

@Anonymous wrote:
@Anonymous wrote:
Process Update for those about to App.

End Day 3:

Cash+ No Update.

Notice of Bank Statement received - Can't login to view yet.
Seems you can't actually access the account until the Debit/ATM card arrives.
I guess enrolling the card in Online banking is what unlocks access to ~Online Banking ~
I was able to access the checking account immediately after approval just 2 or 3 weeks ago. The account approval page listed the checking account number and I was able to create an account using that. I received the debit card a few days after that.

This ^^^ is true. @Anonymous I found that I wrote the account number down US Bank provided during the application process. I didnt want to bump my own thread, But I am glad you mentioned this. It allowed for correct accurate info to be passed on!

I was able to get Online Banking "Up and Running" Once I realized I wrote the account # down. I was able to use the Acct# and Last4 of SS

to get into US Bank Online Acct Management.

When I received the notice to "Log In and confirm your address" to make sure the card arrives.... I started remembering I wrote the acct# down, and remembered seeing that I could use either a Pin, Code, or Last4 of SS to login initially.

Back to the "Long Way" = I should have titled the thread the "Long Wait"

Day 5: CASH+ - No Update

Online Banking 😃 👍

Now Back to your regularly scheduled programming

Re: Cash+ the Long way

Anonymous — Fri, 25 Sep 2020 07:36:51 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Process Update for those about to App.

End Day 3:

Cash+ No Update.

Notice of Bank Statement received - Can't login to view yet.
Seems you can't actually access the account until the Debit/ATM card arrives.
I guess enrolling the card in Online banking is what unlocks access to ~Online Banking ~
I was able to access the checking account immediately after approval just 2 or 3 weeks ago. The account approval page listed the checking account number and I was able to create an account using that. I received the debit card a few days after that.
This ^^^ is true. @Anonymous I found that I wrote the account number down US Bank provided during the application process. I didnt want to bump my own thread, But I am glad you mentioned this. It allowed for correct accurate info to be passed on!

I was able to get Online Banking "Up and Running" Once I realized I wrote the account # down. I was able to use the Acct# and Last4 of SS
to get into US Bank Online Acct Management.

When I received the notice to "Log In and confirm your address" to make sure the card arrives.... I started remembering I wrote the acct# down, and remembered seeing that I could use either a Pin, Code, or Last4 of SS to login initially.

Back to the "Long Way" = I should have titled the thread the "Long Wait"

Day 5: CASH+ - No Update
Online Banking 😃 👍

Now Back to your regularly scheduled programming

Awesome! I am glad you didn't have to wait for the debit card to arrive to create a login!

Re: Cash+ the Long way

Anonymous — Tue, 29 Sep 2020 00:34:14 GMT

No Love for me.

Primary Listed reason:

Too Many Inq's on Experian - Whomever was waiting for too many inquiries as a reason. It's here.

TU/0

EQ/0

EX/2 - Sprint + SBA Inq

Further down in the letter, just before it mentions a Secured Card??? ---

Length of time accounts established -

That would be the 7/24 from last years Independence Day Week Approval Parade

Too Many Comsumer Accounts -

Seems 1 Prosper Loan is too much.

Lets hope Oct 1 is full of PF surprises.

I will have to decide if the Spring is a good time for a repeat app or not.