topic US Bank Cash+ app.. in Credit Cards

US Bank Cash+ app..

acb5456 — Thu, 16 Jan 2014 19:30:21 GMT

Hi again guys! I just applied for the US Bank Cash+ and was told on the phone that there are no instant approvals and that it should take a few days to process the application. How long does this process usually take? Should I call underwriting tomorrow?

I really like the card and I'm hoping for an approval! Thanks everyone!

Re: US Bank Cash+ app..

coldnmn — Thu, 16 Jan 2014 19:39:16 GMT

3 or 4 days it took for my approvals. They emailed me on approval.

Re: US Bank Cash+ app..

Anonymous — Thu, 16 Jan 2014 22:13:53 GMT

I got instant approval applying at a branch. Was told my what my CL would be right then.

Re: US Bank Cash+ app..

Peteyglad — Thu, 16 Jan 2014 22:31:37 GMT

I as well got instant approval in branch with credit limit known right then.

Re: US Bank Cash+ app..

acb5456 — Thu, 16 Jan 2014 22:33:53 GMT

Well crap I applied over the phone, and the lady said they do not give out instant approvals over the phone, so who knows! I'll try calling tomorrow

Re: US Bank Cash+ app..

Peteyglad — Thu, 16 Jan 2014 22:39:11 GMT

I went to a branch while I was on vacation because I tried several times to do an app over the phone with no dice.

Re: US Bank Cash+ app..

acb5456 — Thu, 16 Jan 2014 22:46:04 GMT

@Peteyglad wrote:
I went to a branch while I was on vacation because I tried several times to do an app over the phone with no dice.

Oh really? I just called the backdoor number and asked the lady if i could apply for the Cash+ and she sent me right to applications department (or whereever they handle apps) and she went right through the application without a single word about Cash+ being unable to app by phone. Weird! Hope i get lucky!

Edit for spelling

Re: US Bank Cash+ app..

Anonymous — Thu, 16 Jan 2014 23:32:31 GMT

Wish you the best. Went into the US Bank Branch myself and got the 1 to 2 day notice. Called the personal banker and was approved. Happened twice to me like that. Nine months later I went to the same personal banker and got an instant approval for my third credit product.

Re: US Bank Cash+ app..

acb5456 — Thu, 16 Jan 2014 23:35:55 GMT

That's great! I've heard US Bank can be tough on approval criteria, so you're doing very well! I just hope I don't get downsold to the Cash Rewards card. That would be tragic haha

Re: US Bank Cash+ app..

B335is — Fri, 17 Jan 2014 00:41:25 GMT

Goodluck! I'm going through a similar process with them for a Flexperks card. Applied Sunday, offered the terms, I accepted and now the system can't find any record of me. When I called they told me it would be a few days. Interestingly, they hardpulled me Monday and again today - that's a first for me. I'm not celebrating until a card shows up.

Re: US Bank Cash+ app..

amdm2013 — Fri, 17 Jan 2014 00:46:49 GMT

It also took me one week for approval by email.

Re: US Bank Cash+ app..

acb5456 — Fri, 17 Jan 2014 00:53:43 GMT

Which credit reports do they generally pull?

Re: US Bank Cash+ app..

B335is — Fri, 17 Jan 2014 01:01:35 GMT

@acb5456 wrote:
Which credit reports do they generally pull?

I thought they pulled EQ, but actually pulled TU (twice) on me. I'm in Michigan.

Re: US Bank Cash+ app..

acb5456 — Fri, 17 Jan 2014 01:07:18 GMT

@B335is wrote:
@acb5456 wrote:
Which credit reports do they generally pull?
I thought they pulled EQ, but actually pulled TU (twice) on me. I'm in Michigan.

I hope they pull TU for me also, I'm in NC.

Re: US Bank Cash+ app..

Anonymous — Fri, 17 Jan 2014 02:02:23 GMT

@acb5456 wrote:
Which credit reports do they generally pull?

EX in Texas

Re: US Bank Cash+ app..

CreditMagic7 — Fri, 17 Jan 2014 02:13:36 GMT

Tu in Indiana for me.

Re: US Bank Cash+ app..

Anonymous — Fri, 17 Jan 2014 02:15:07 GMT

my app wasn't an instant approval either.

it had to be sent for processing, and i heard back within a day or two.

sometimes its just for verification, which is kinda weird since I am already applying for the card in person.

They pulled EX for me. I'm in Los Angeles.

Re: US Bank Cash+ app..

acb5456 — Fri, 17 Jan 2014 02:35:47 GMT

Thanks for the input guys! Fingers crossed for sure on this one.