Club Carlson (Personal) Pending...

B335is · ‎01-11-2015

I got the Business version instantly a few months ago when I was still living in MI. US Bank always pulled TU for me there. So I applied last night for the Personal version and instantly got pending. Refreshed my reports and no new pull. I have a feeling they want me to unfreeze EX report. I should have gone for it sooner. It's their best signup bonus.

Anonymous · ‎01-11-2015

@B335is wrote:
I got the Business version instantly a few months ago when I was still living in MI. US Bank always pulled TU for me there. So I applied last night for the Personal version and instantly got pending. Refreshed my reports and no new pull. I have a feeling they want me to unfreeze EX report. I should have gone for it sooner. It's their best signup bonus.

All the best.. US Bank is tough. Keep us posted..

Anonymous · ‎01-11-2015

Yes they are tough

chalupaman · ‎01-11-2015

Good luck! Since you've been with them for a while, I don't think you should have that much trouble getting this card but who knows.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

CreditCuriosity · ‎01-11-2015

Don't think your inquiries and new accounts are going to freak the heck out of US Bank BMW? I woud be really suprised if you get your personal one.. I wish you all the luck though and hope it works out! Especially with there crown jewel card

B335is · ‎01-11-2015

CC,

I was hoping for instant approval lol. I know they wont manually approve it. But understandably, they already gave me 3 of those. I was also counting on them to pull TU which only has 2 inq.

CreditMagic7 · ‎01-11-2015

@B335is wrote:
CC,

I was hoping for instant approval lol. I know they wont manually approve it. But understandably, they already gave me 3 of those. I was also counting on them to pull TU which only has 2 inq.

The only instant approval i ever got from them was a USPS preapproval mailer. Seems they already decided on that one before mailing it out.

Creditaddict · ‎01-12-2015

@B335is wrote:
I got the Business version instantly a few months ago when I was still living in MI. US Bank always pulled TU for me there. So I applied last night for the Personal version and instantly got pending. Refreshed my reports and no new pull. I have a feeling they want me to unfreeze EX report. I should have gone for it sooner. It's their best signup bonus.

They pulled EX for my Carson Business app and it was denied!

I wish I could get them to pull TU but they said they won't pull a different report.

My partner and I opened up personal checking and savings this weekend and my partner had a "short credit app offer" which during account openings if it pops up a pre-qual offer it's 95% approved the guy said and a short app offer is 50/50% and then the nothing.

We are going to get his direct deposit started and get some of our payments into credit cards before applying.