topic Re: US Bank Altitude Connect application in Credit Card Applications

US Bank Altitude Connect application

xenon3030 — Fri, 06 Aug 2021 21:12:00 GMT

Finally, I decided to apply for US Bank Altitude Connect. It has 50k SUB (euivalent to 500$), 30$ entertainment credit and its 95$ AF is waived in the first year.

When I wanted to send application, the US Bank website was not working correctly (very buggy). Since the branch appointments need to get scheduled ~24-48h in advance, I decided to call US Bank customer service and send application. I was thinking that calling the bank to send application would be similar to in branch (getting response right a way), but I ended up receiving an "application under further verification" response and the operator said that I will receive additional information in ~7-10 business days.

Waiting for ~2 weeks for additional information looks very long. Is there a recommendation to expedite the application? Is it a potential rejection?

Re: US Bank Altitude Connect application

pizza1 — Sat, 07 Aug 2021 01:53:23 GMT

Yes, call the backdoor number, and inquire about your app, and ask if they needed anything else from you. They should be able to tell you if you were denied, or if its still pending review. USB rarely gives instant approvals on line.

Re: US Bank Altitude Connect application

MrDFinance — Sat, 07 Aug 2021 01:58:33 GMT

I also recently applied for the US bank cash plus and have been calling for days and it's still under review so I'm guessing US Bank is doing a bunch of manual underwriting these days and are behind ....Everytime I called they said I didn't have to give any other information and I have to wait 3-5 business days ....I applied Online

Re: US Bank Altitude Connect application

xenon3030 — Sat, 07 Aug 2021 02:32:52 GMT

I called the under writing department but they were closed early, seem to work in CST or EST time (they also work only during week days Mon-Fri).

Tomorrow morning, I will call again another department to see whether they need any additional information, otherwise I have to wait untill Monday morning. I guess this waiting period is only to verify that the applicant really submitted the application. Their email says that "you submitted an application and if you did not do it, call this number ASAP otherwise, you ignore the email". It looks strange but I think, they are waiting for a possible complaint call back and if they do not receive such a call within ~2-3 days, they proceed to approve the application. If they wanted to deny it, I guess they could do it immediately.

I have an urgent costly maintenance appointment at the end of next week and it is great that I receive this card ASAP (need expedite shipment).

Re: US Bank Altitude Connect application

MrDFinance — Sat, 07 Aug 2021 02:41:05 GMT

@xenon3030 wrote:
I called the under writing department but they were closed early, seem to work in CST or EST time (they also work only during week days Mon-Fri).

Tomorrow morning, I will call again another department to see whether they need any additional information, otherwise I have to wait untill Monday morning. I guess this waiting period is only to verify that the applicant really submitted the application. Their email says that "you submitted an application and if you did not do it, call this number ASAP otherwise, you ignore the email". It looks strange but I think, they are waiting for a possible complaint call back and if they do not receive such a call within ~2-3 days, they proceed to approve the application. If they wanted to deny it, I guess they could do it immediately.

I have an urgent costly maintenance appointment at the end of next week and it is great that I receive this card ASAP (need expedite shipment).

I'm hoping that's the case for my app as well lol .....Getting in with US Bank is the last piece to the puzzle for me

Re: US Bank Altitude Connect application

xenon3030 — Sat, 07 Aug 2021 02:52:26 GMT

For US Bank, several people recommend to have a prior relationship by e.g. opening a checking account and afteward, submiting a CC application. You may consider this wise recommendation.

Anyway, at the time that I wanted to submit application for Cash+ some years ago, there was no SUB for checking account. Therefore, I decided to submit a cold CC application and by chance it got approved (took ~3 weeks to receive the card). After a few months, US Bank offered SUB to open a checking account and I used it.

Re: US Bank Altitude Connect application

MrDFinance — Sat, 07 Aug 2021 02:55:26 GMT

I tried to open a savings account with them a month ago and they told me they don't service my area and wouldn't let me open the account when I put in my zip code.

I guess there isn't any branches near me ....Hope that doesn't stop the credit app

Re: US Bank Altitude Connect application

Justrebuilding — Sat, 07 Aug 2021 14:46:28 GMT

@MrDFinance wrote:
I tried to open a savings account with them a month ago and they told me they don't service my area and wouldn't let me open the account when I put in my zip code.

I guess there isn't any branches near me ....Hope that doesn't stop the credit app

You can get around this by opening a brokerage account with them first- then open a checking or savings.

Re: US Bank Altitude Connect application

Justrebuilding — Sat, 07 Aug 2021 14:50:39 GMT

I applied for this card yesterday and also received the msg that they are in the process of reviewing my application. I am pretty hopeful that this will be an approval because when I applied in the past for a Cash+ it was an instant denial.

Re: US Bank Altitude Connect application

xenon3030 — Mon, 09 Aug 2021 22:19:09 GMT

I called and the application is still in the UW step (will take ~2-3 business days). It is strange that the UW process is manual there. Not approved/not rejected, fingers crossed and pray for the application to get approved

The rep said that they cannot do expedite shipment for the first card. Therefore, with a high probability and if get approved, I cannot get it before weekend. I will call again tomorrow and check with another rep (the operator during the application submission was saying that expedite shipment is feasible).

Re: US Bank Altitude Connect application

TampaBAY86 — Mon, 09 Aug 2021 22:34:27 GMT

@xenon3030 wrote:
I called and the application is still in the UW step (will take ~2-3 business days). It is strange that the UW process is manual there. Not approved/not rejected, fingers crossed and pray for the application to get approved

The rep said that they cannot do expedite shipment for the first card. Therefore, with a high probability and if get approved, I cannot get it before weekend. I will call again tomorrow and check with another rep (the operator during the application submission was saying that expedite shipment is feasible).

Good luck with your application! Hopefully they can expedite the card.

Just for a DP, when I applied and was approved on 4/30 for the Altitude Go, it took over 2 weeks to receive the card. It came in the mail on May 17th or 18th. It was actually after my first statement had cut.

Re: US Bank Altitude Connect application

xenon3030 — Thu, 12 Aug 2021 16:47:59 GMT

At the end of the 3rd business day, they called to verify whether I submitted the application and the status got updated to approved in the next day.

It will take up to 10 business days to receive the card (the expedite shipment is available at ~20$).

Re: US Bank Altitude Connect application

cashorcharge — Thu, 12 Aug 2021 20:53:57 GMT

@xenon3030 wrote:
At the end of the 3rd business day, they called to verify whether I submitted the application and the status got updated to approved in the next day.

It will take up to 10 business days to receive the card (the expedite shipment is available at ~20$).

That’s terrific! Congratulations on your approval!! 👏🏼🎉🍾