topic Re: Tried my last shot U.S Bank Busin travel "Denied" in Business Credit

Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Tue, 21 Jul 2015 10:50:32 GMT

I'm so bummed ! U.S bank is very difficult.

Thank you for your interest in the U.S. Bank FlexPerks(R) Business Edge Travel Rewards.

We were unable to approve your application based on the information you provided. You will receive additional information on your application request via U.S. Mail in 7-10 days

What info i provided . an error,? or not good enough? my company is over 3 yrs, my personal , when i applied 760,7 inq, util 6%. 9.8 yrs history, income over 6 figure, both Equifax

debt ratio, 9 % 714 score, D&B . 80 paydex,but the only reason i can think of is D&B,were they screwed up my report, with listing 2 companies @ different dunn #

Been spending months to clear,long story for now.. anyone have a good back door numbe? or exc # im not going to waste a hard pull over a minor detail. anyway would be appreciated

thanks

O YIM Sorry,maybe i should have stayed over the garden gates ..

Re: Tried my last shot U.S Bank Busin travel "Denied"

navigatethis12 — Tue, 21 Jul 2015 12:08:26 GMT

I don't see a decline in that message. None of the business cards I have were approved instantly and a lot of other people aren't instantly approved by them either. In a few days you can try speaking with someone and they can usually tell you if the system is recommending approval or if it's actually been declined.

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Tue, 21 Jul 2015 12:50:27 GMT

thanks navigatethis12 that was a good observation .in the email .

I just got off the phone with US Bank .. I have a freeze on my CR,, and wanted me to unlock them all . I only unlocked TU. which I thought U.S bank pulls . sooo.. I think I am going to the gardens and sit under a tree, and think if its worth 3 cap1 one pulls and get a low SL .. Anyone feel about that it worth I am sure they will approved me but under 5k is not worth the pull, and

Re: Tried my last shot U.S Bank Busin travel "Denied"

Creditaddict — Tue, 21 Jul 2015 14:45:20 GMT

@NY2014 wrote:
thanks navigatethis12 that was a good observation .in the email .

I just got off the phone with US Bank .. I have a freeze on my CR,, and wanted me to unlock them all . I only unlocked TU. which I thought U.S bank pulls . sooo.. I think I am going to the gardens and sit under a tree, and think if its worth 3 cap1 one pulls and get a low SL .. Anyone feel about that it worth I am sure they will approved me but under 5k is not worth the pull, and

No, They pulled EX here in CA for all our apps.

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Tue, 21 Jul 2015 15:37:49 GMT

I Use to live in Calif, But i have a question do U.S bank normally request to pull all 3 Credit reports Obviously they pulled a soft pull. or i hope it was now on my TU, I havent seen anyone post U.S . Bank pull all 3. maybe Two if credit is borderline. cause when i called i asked the rep if i can get a reason why i was decline and the rep only responded back,n just needed to unlock all three credit reports,I just wan to know if anyone or heard that encountered something that ?

Re: Tried my last shot U.S Bank Busin travel "Denied"

Creditaddict — Tue, 21 Jul 2015 15:41:53 GMT

@NY2014 wrote:
I Use to live in Calif, But i have a question do U.S bank normally request to pull all 3 Credit reports Obviously they pulled a soft pull. or i hope it was now on my TU, I havent seen anyone post U.S . Bank pull all 3. maybe Two if credit is borderline. cause when i called i asked the rep if i can get a reason why i was decline and the rep only responded back,n just needed to unlock all three credit reports,I just wan to know if anyone or heard that encountered something that ?

she doesn't know like usual.

All she knows is they couldn't access your credit which means which ever they tried to pull was locked.

We did not have or have I heard of them pulling more than 1.

I would unlock EX and call back and ask them to proceed

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Tue, 21 Jul 2015 15:52:03 GMT

Yes i agree, it kinda through me off when I heard that . im calling back ..

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Tue, 21 Jul 2015 16:30:10 GMT

OK I just got off with the credit underwriting as she explained all three has to be unlocked because they don't know what the system will pull , it picks randomly . well i guess my random is not TU.So the only reason I applied because my inquires are the lowest, and the highest score, EQ, 721 13 inquires, lowest score Ex 729, 11inq TU 760, 7 inquiry across the board 6% Util ..

I just don't feel good " like a sick stomach" today,its when you can feel its not going your way, get off the titianic before it sinks. I am looking for a good Business card that good for travel, airlines, Hotel, a great reward card,maybe i picked that card for only two reasons,( Flex perks Travel rewards) and TU. its not a good card, Venture if a better card,if i was to burn an inquiry on either of my filesI probable would burn it with, trying to get chase to raise my CL,on my INK,and that would be fine, because i like the ink, just the limit is to low. to help understand why i am trying to adjust my cards around because in two weeks in doing a lot of traveling 3 months straight all business,only business cards,i have is B'J's

just kidding, Ink/Delta/ very hard to keep personal,separate ,dilemma

Re: Tried my last shot U.S Bank Busin travel "Denied"

Creditaddict — Tue, 21 Jul 2015 16:32:20 GMT

citi business AA

or Barclay Hawaiin Airlines will pull TU

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Tue, 21 Jul 2015 16:53:53 GMT

OK you know i would rather try my luck with Citi because,I recently had a account with them,, I have a DC card PIF,, and honestly i just recently got a Barclay's RCI CC. approved $9k , i don't know why i never paid attention to Barclay's products, same with Discover,maybe I kinda blocked those cards out because I thought more associate towards collage adults, haha when i am thinking towards the chase aarp,apps, i was approved for the discover and just arrived, does Disney have a business cards LOL ... OK im going to look at the citi and Hawaiian, will report back in a few hours got to go to the office,

thanks CA . a few months ago i did not think i would get approved for citi thanks for being patient

Re: Tried my last shot U.S Bank Busin travel "Denied"

Anonymous — Tue, 21 Jul 2015 21:45:16 GMT

Sorry to hear buddy... Now I am going to chain you to the gates of the garden so that you can't escape...

Re: Tried my last shot U.S Bank Busin travel "Denied"

Anonymous — Wed, 22 Jul 2015 03:23:38 GMT

@creditaddict Citi AA business pulled EX and EQ for me. Barclay Hawaiian Airlines business pulled TU and EQ. I guess I must be one of the very few people that got double pulls from these lendersI am in NY.

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Wed, 22 Jul 2015 03:56:37 GMT

Thanks Fashionista212 for the heads up regarding Hawaiian air . I applied earlier and got under review 7-10 message .it must be my EQ 13inq but most from the same creditors, is locked only unlocked TU. My EQ I will keep close will only open in case of fire break glass only labeled lol NY here as well maybe I should move back to Calif just for my TU sake lol

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Wed, 22 Jul 2015 04:05:23 GMT

Thanks again YIM , I'll leave my laptop out of the garden next time lol. But seriously . Appreciate the support and motivation here . It's not an absession I'm chasing after, it's a calculated goal I need to complete I planned over 6 months ago , but picked a few extras along the way 😜 and I defiantly must stay in the gardens

thanks again . Titanium locks next time 😁

Re: Tried my last shot U.S Bank Busin travel "Denied"

myjourney — Wed, 22 Jul 2015 18:03:24 GMT

Any updates

Re: Tried my last shot U.S Bank Busin travel "Denied"

myjourney — Wed, 22 Jul 2015 18:08:59 GMT

+1 and I'll supply the chain Lol

@YIM

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Wed, 22 Jul 2015 19:20:01 GMT

Update
Well I started to think about U.S Bank beginning to Frighten Me lol. On Monday When I first applied late the evening and by morning an email response back was the unfortunate we cannot approve your App so like my post earlier going back to , the denial was they needed all 3 credit reports unlocked
But I only unlocked TU assuming US bank only pulls.ok so that leaves the 50/50 approval odds if they pull my other scores, 722 EQ 13 inq, that a possible Denial there . 731 EX, 11 inq 760 TU 7 inq so I got cold feet . Then I app up last night with chase busi south west and Hawaiian air , this morning received an email were are unable to offer you issued by Barclay 7-10 day blah blah . I already no the reason . I didn't unlock my reports , Cold feet I took a chance and hoping they would use the credit report a week ago when I was approved . I guess not .
Ok .chase my Friends .i just got off the phone with Chase going through integration,it's ok but in my head I throughlt when the specialist came back to make a decision . Imedistly decline and withdraw my application.. I don't want another CC from Chase . I was just approved Hyatt $ 25k CSP, $ 20k $5k ink, the questions and everything was good. Because the rep was kinda surprised and said will will keep your app for 14 day and if you change . But I declined. Only reason why I declined they didn't do a hard pull , they went off my previous App From Hyatt approval. Because she asked me questions resent, inqs. I asked about my ink to increase call the # and request . I did , and confirmed they do. I just don't want the headache dealing with Chase 4 large SL
And that brings it back to UB bank .im going to close my eyes. Open all my Reports and call them to go and pull .and wait for the 7-10 letter .
Or SAMs club , I just became a member lol
Any advise or thoughts . Or the chain locked gate . 😇

Re: Tried my last shot U.S Bank Busin travel "Denied"

NY2014 — Wed, 22 Jul 2015 19:38:35 GMT

OMG .. How could Missed Approval for a Business Card and Product ..

NFCU ... I opened a business account with them . A month ago. I think because I got discourage because I could not get in contact with there rep or didn't return my . Recorded message I have an excellent relationship with NFCU .. Ok I'll push that harder and I'm complete . 😛 happy again
..