topic US Bank Verification in Credit Card Applications

US Bank Verification

Doubleimonster — Mon, 08 Dec 2025 21:03:28 GMT

Good afternoon,
Thanks for viewing. So I am starting my restarting credit journey and went on a spree to get some secured cards. Life happened in 2020 due to covid and kind of messed up my credit profile. So I am rebuilding. I picked up a bunch of crappy cards like Cap One QuickSilver One, Credit One, Bright Way, Aspire and Imagine. I also applied and was approved for a $1000 secured card with Skyla Bank, and am working on paying down my Amex for the optima card program.

I applied for a US Bank Secured card last week of $300. Just to get in good with them. The plan is to let all these cards garden until I pay off my Amex, estimated at 2028. My hopes is the Secured cards would have graduated by then and received some CLI on all cards.

I am stumped because US Bank, I called today to check approval since I hadn't seen $300 come out of my account, and was advised I need to talk to the verification department. They gave me the number to call and said it was like an hour long wait time, so i will call later. Any idea what it might be? No accounts are frozen, no fraud alerts on my profiles or anything. I am super curious now.

Thanks in advance.

Re: US Bank Verification

JoeRockhead — Mon, 08 Dec 2025 21:40:11 GMT

It's likely an anti fraud/ID verification given the 5 new accounts... Aside from that, USB is generally not very welcoming when it comes to too many new accounts.

Re: US Bank Verification

Mervin — Mon, 08 Dec 2025 23:50:26 GMT

It’s probably just some extra identity verification. Who knows what triggers it.

Re: US Bank Verification

TrapLine — Tue, 09 Dec 2025 03:45:37 GMT

Good luck!

It took me twelve years to get verified. Always had to go into a US Bank Branch to obtain new products or close old ones. Finally, they had such out of touch IT it was unreal ... shades of the 1990s. Believe they have moved to the modern world today and you may just have to go through a new customer thing.

Also, I am now verified ... yeh!

Re: US Bank Verification

Doubleimonster — Wed, 10 Dec 2025 00:24:47 GMT

Finally got in touch with US Bank. They just needed to send me a text while on the phone and I verify the 5 digit code. Card approved. Said once the funding comes out they will send my card 7-10 days.

Re: US Bank Verification

Realist — Wed, 10 Dec 2025 14:39:54 GMT

Do what you feel you are comfortable with.

I have an 800+ FICO score and quite the limit, and each and every lender typically follows a set pattern for credit approval. No big detail, it's business as usual. And yet, one of them want's facial recogition, ID, and another line of verification to verify I am who I claim to be. I wouldn't be surprised if they wanted finger prints.

I don't have time for that nonsense. If you want to earn anything from my score, they will have to "bend the knee". Not the other way around.

I've walked away from a deal or two at an expense of hard inquiry. Not to my loss. Not in the least.

Re: US Bank Verification

TrapLine — Wed, 10 Dec 2025 11:56:41 GMT

@Realist

Do follow your comments. Read where Discover Card was requesting what you just mentioned for verification from some applicants and for receiving a renewal card.

Already have CapitalOne/Discover on the chopping block and when they reissue the card but require me to do what you just stated for verification I am gone. Share your views 100%.

Too many fish in the sea! Loyalty is nonexistent just give me the bottom line!

Re: US Bank Verification

zerofire — Fri, 09 Jan 2026 06:55:34 GMT

Verification is exactly what it sounds like. It is the banks idea of how to verify your application based on how comfortable they are with you. The good news is that most banks already have a idea on what they want to do with the application once verification is complete. If you just play along they will become your friend. Usually the more positive info they know about you already the less verification parts there are. The problem is that lately every bank has a bunch of bots and bad actors doing applications and the bank wants to know that your a real customer and not a pinokio.

Re: US Bank Verification

BrutalBodyShots — Fri, 09 Jan 2026 16:02:24 GMT

@Doubleimonster nice job getting the USB secured card. With now having 2 cards from reputable banks (USB and Capital One) I'd advise closing your inferior/predatory issuer cards that you mentioned that are likely costing you money. One doesn't have to pay a penny to build or rebuild credit. You can do that sufficiently fine with just the Capital One and USB cards.

Re: US Bank Verification

SusanJA — Sat, 10 Jan 2026 01:44:36 GMT

If you continue having trouble, try opensky. No credit check.