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Elan Ent "Max Cash" and US Bank Applications

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Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications


@Anonymous wrote:

My waiting period for my Cash+ was ridiculous. I applied on 6/16/19 and got an APR and SL. The screen then asked if I wanted to agree on the terms. When I did it went to manual review and become "officially approved" on July 8!


Ugh don't jinx it for me! I'm just glad I got my apps in before the floodgates open on the new Altitude Connect... Smiley Surprised

Message 21 of 64
Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications


@Ficoproblems247 wrote:

I know it varies per geolocation as to which bureau USB/Elan pulls, but I can't remember which score model they use. Is it classic 8? I've seen a couple people post their score 9

along with approvals for them so I wasn't sure. 


They use 9 from everything I've read. 

Message 22 of 64
Remedios
Credit Mentor

Re: Elan Ent "Max Cash" and US Bank Applications

They use 9 classic. 

 

@Anonymous  when I got denied for Cash+, system couldn't find my application, so I called for status which turned into recon.

 

AR was auto approved, there was SL recon involved, but despite approval, it couldn't find the application. 

 

🤷‍♀️

 

Good luck! 

Message 23 of 64
Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications


@Remedios wrote:

They use 9 classic. 

 

@Anonymous  when I got denied for Cash+, system couldn't find my application, so I called for status which turned into recon.

 

AR was auto approved, there was SL recon involved, but despite approval, it couldn't find the application. 

 

🤷‍♀️

 

Good luck! 


Well if they don't like my profile despite everything I've done to optimize it, I don't see recon turning anything around, so I'll just wait it out and see what happens. I opened a checking account with them and use it to pay my roommates when they do fast food in order to re-establish a relationship with them and also show that I don't overdraft anymore (because I'm sure they still have data on how many times I used my reserve line when I had them for my bank account before my BK), had 0/12 apps and inquiries, AZEO, 800+ FICO 9... If that's not good enough for them, nothing will be. Lol. Hopefully I'll get a pair of $2K+ approvals but I would settle for one approved at $500, one denied, just to get a chance. Plus I have to buy new glasses so I could use the SUBs to take the sting off that.

Message 24 of 64
blindambition
Senior Contributor

Re: Elan Ent "Max Cash" and US Bank Applications


@Anonymous wrote:

I submitted an app for US Bank as well as Elan through Ent. Both pulled EX. Both went pending. We will see if gardening is actually worth it or not I guess. 



I've got 🤞for you!!! I'll be doing same in July, so I'm depending on you to show the magic my man!!!

Good luck buddy!!

Message 25 of 64
Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications


@blindambition wrote:

@Anonymous wrote:

I submitted an app for US Bank as well as Elan through Ent. Both pulled EX. Both went pending. We will see if gardening is actually worth it or not I guess. 



I've got 🤞for you!!! I'll be doing same in July, so I'm depending on you to show the magic my man!!!

Good luck buddy!!


Thanks! The wait is killing me. 😒 it's like ♥️ 🗡 

Message 26 of 64
Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications

Been on hold with US Bank for 26 minutes trying to check the status of my app(s). 

 

It wouldn't be so bad if they actually had real music and the automated system wouldn't thank me for waiting every 10 seconds. 😒 

Message 27 of 64
Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications

Both cards are pending, no verification needed. He said their turnaround right now is 7-10 business days for apps to get through review and they should have an answer early next week. 

Message 28 of 64
blindambition
Senior Contributor

Re: Elan Ent "Max Cash" and US Bank Applications


@Anonymous wrote:

Both cards are pending, no verification needed. He said their turnaround right now is 7-10 business days for apps to get through review and they should have an answer early next week. 



Oh my... That will have me crawling out of my skin in July!! 😅 😱 😬 

Hang in there buddy!! You can do it!!! 👍🏻 📣 

Message 29 of 64
Anonymous
Not applicable

Re: Elan Ent "Max Cash" and US Bank Applications


@blindambition wrote:

@Anonymous wrote:

Both cards are pending, no verification needed. He said their turnaround right now is 7-10 business days for apps to get through review and they should have an answer early next week. 



Oh my... That will have me crawling out of my skin in July!! 😅 😱 😬 

Hang in there buddy!! You can do it!!! 👍🏻 📣 


He asked me if I was planning on using them and wanted it expedited but I figure that adding extra work to already overworked UW is not really a good way to start things off so I told him that I would just wait, just was curious because the automated system said it couldn't find the app (which he did confirm probably happened because of the Elan app pending at the same time so anybody who values their sanity shouldn't do that). 

Message 30 of 64
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