topic Re: After 5 years applied for cli in Credit Card Applications

After 5 years applied for cli

Anonymous — Tue, 04 Aug 2015 00:11:01 GMT

I've had a U.S. Bank college visa since 2012 I haven't applied for credit since 2012 because I never wanted inquiries but because of this website I've became addicted to my credit! I've went from a 589 to a 660 within 30 days. I didn't get an instant approval, my file is being reviewed :/ hope I didn't waste an inquiry 😫 ten days is a long time to wait.

Re: After 5 years applied for cli

morgacj2004 — Tue, 04 Aug 2015 00:42:11 GMT

Good Luck!

Re: After 5 years applied for cli

12njoy — Tue, 04 Aug 2015 02:45:51 GMT

@Anonymous wrote:
I've had a U.S. Bank college visa since 2012 I haven't applied for credit since 2012 because I never wanted inquiries but because of this website I've became addicted to my credit! I've went from a 589 to a 660 within 30 days. I didn't get an instant approval, my file is being reviewed :/ hope I didn't waste an inquiry 😫 ten days is a long time to wait.

US Bank usually will reach a decision in 2-3 business days. I would call the backdoor number on Thursday and ask for status. Good luck. I think most are manually reviewed anyway, so that's no indicator of status that you got pending message.

Re: After 5 years applied for cli

12njoy — Tue, 04 Aug 2015 02:46:36 GMT

@Anonymous wrote:
I've had a U.S. Bank college visa since 2012 I haven't applied for credit since 2012 because I never wanted inquiries but because of this website I've became addicted to my credit! I've went from a 589 to a 660 within 30 days. I didn't get an instant approval, my file is being reviewed :/ hope I didn't waste an inquiry 😫 ten days is a long time to wait.

What is your current credit limit with US Bank?

Re: After 5 years applied for cli

Anonymous — Tue, 04 Aug 2015 04:37:44 GMT

300, I've never asked or received cli on any of my cards except lowes and Walmart but I'm assuming I made a bad choice in cards seeing as how everyone on here loves Amex and discover lol. Utilization is 15% pending my recent payment it should be down to 5% no collection accounts and only 2 inquiries from 2013.

Re: After 5 years applied for cli

Anonymous — Tue, 04 Aug 2015 04:38:19 GMT

@12njoy what is the back door number?

Re: After 5 years applied for cli

Anonymous — Tue, 04 Aug 2015 04:40:48 GMT

Nice to hear and congrats on your scores! Keeping fingers crossed for you.

Re: After 5 years applied for cli

Anonymous — Tue, 04 Aug 2015 04:47:36 GMT

Thank you!

Re: After 5 years applied for cli

12njoy — Tue, 04 Aug 2015 10:20:10 GMT

@netta073,

18009471444

Re: After 5 years applied for cli

ojefferyo — Tue, 04 Aug 2015 22:01:16 GMT

US Bank pretty much reviews 99% the apps, call the number listed and you should get some sort of status on the automated system.

Re: After 5 years applied for cli

Anonymous — Tue, 04 Aug 2015 22:12:07 GMT

Did you call? what was the outcome?

Re: After 5 years applied for cli

Anonymous — Wed, 05 Aug 2015 02:22:58 GMT

Yes but it just asks if you submitted request for personal credit doesn't give you the option to select cli request but under the only couple options it doesn't recognize my social 😕 now what

Re: After 5 years applied for cli

12njoy — Wed, 05 Aug 2015 02:26:30 GMT

You have to call during business hours and speak with a representative at the number I gave you.

Re: After 5 years applied for cli

Anonymous — Wed, 05 Aug 2015 02:29:15 GMT

Will do, thank you very much I'll call tomorrow.

Re: After 5 years applied for cli

12njoy — Wed, 05 Aug 2015 02:30:05 GMT

You're welcome. Keep us posted

Re: After 5 years applied for cli

Anonymous — Wed, 05 Aug 2015 15:37:07 GMT

Called and spoke to someone, same thing can't find my social. She said that when its submitted by a banker over the phone it takes 3 days to even get to the credit dept

Re: After 5 years applied for cli

Anonymous — Wed, 05 Aug 2015 15:46:24 GMT

@Anonymous wrote:
Called and spoke to someone, same thing can't find my social. She said that when its submitted by a banker over the phone it takes 3 days to even get to the credit dept

huH?? that's odd. So they told you to call on Friday i'm assuming?

Re: After 5 years applied for cli

taxi818 — Wed, 05 Aug 2015 21:11:23 GMT

I don't see where the 5 years are?? maybe you meant 3 years? anyway. Good luck.

Re: After 5 years applied for cli

Anonymous — Wed, 05 Aug 2015 21:51:49 GMT

I'm sorry 2010 taxi and yes she asked that I try back tomorrow cause they haven't received the request

Re: After 5 years applied for cli

Anonymous — Thu, 06 Aug 2015 15:54:36 GMT

@Anonymous wrote:
I'm sorry 2010 taxi and yes she asked that I try back tomorrow cause they haven't received the request

So what happened?