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Elan Ent "Max Cash" and US Bank Applications

Saeren
Mega Contributor

Elan Ent "Max Cash" and US Bank Applications

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. 





Message 1 of 64
63 REPLIES 63
M_Smart007
Epic Contributor

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


@Saeren 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. 


It will be interesting to see what kinda limits they dish out?.

That was a long garden haul. I think you should call and tell them that.

Message 2 of 64
Saeren
Mega Contributor

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


@M_Smart007 wrote:

@Saeren 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. 


It will be interesting to see what kinda limits they dish out?.

That was a long garden haul. I think you should call and tell them that.


It was indeed a long garden haul but the reality is that US Bank got burned for a decent chunk of change in my BK so I'm keeping my expectations low. They haven't declined me for the past BK before and they let me in with a checking account a year ago but they got burned on a credit card and a reserve line of credit so if they do approve me, I am not expecting high limits. I did my garden stint like they asked for and now it's just up to them. 

I called the application status line and it says they can't find my app with my social and they have a 20+ minute hold time so I guess I'm just going to have to wait it out lol. 





Message 3 of 64
Birdman7
Super Contributor

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


@Saeren 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. 


@Saeren USB first?

-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 4 of 64
Saeren
Mega Contributor

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


@Birdman7 wrote:

@Saeren 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. 


@Saeren USB first?


Yes of course. They're the ones known to be extra sensitive and also it's easier for me to use the cash back with the Cash+ than it is with my Ent account since Ent doesn't have Zelle. 





Message 5 of 64
Birdman7
Super Contributor

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


@Saeren wrote:

@Birdman7 wrote:

@Saeren 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. 


@Saeren USB first?


Yes of course. They're the ones known to be extra sensitive and also it's easier for me to use the cash back with the Cash+ than it is with my Ent account since Ent doesn't have Zelle. 


@Saeren good luck! Look forward to reading about the approvals!

-Scoring wisdom: Credit Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
Anonymous’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 6 of 64
Ficoproblems247
Valued Contributor

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


@Saeren 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. 


Good luck, @Saeren ! We are all rooting for you! 


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 7 of 64
ChazzieT
Frequent Contributor

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


@Saeren wrote:

...doesn't have Zelle. 

 Alright, it's been 4 hours since this post. Any news yet?

 

Looks like my Affinity card gets here today, and I'm more anxious for news from your apps than I am for USPS to get here.

Message 8 of 64
Saeren
Mega Contributor

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


@ChazzieT wrote:

@Saeren wrote:

...doesn't have Zelle. 

 Alright, it's been 4 hours since this post. Any news yet?

 

Looks like my Affinity card gets here today, and I'm more anxious for news from your apps than I am for USPS to get here.


The system says it can't find the application. I'll wait until tomorrow. A number of people who said the system couldn't find their application ended up being approved. 





Message 9 of 64
Carmy03
Established Contributor

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


@Saeren 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 hope you get both cards. You are the person a year ago I saw talking about this card and got me interested. 

Message 10 of 64
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