@Peculiar_radish wrote:Long story short, I have high velocity right now (6/12) and want a US Bank Cash+. I decided to open a checking account with US Bank to establish a relationship, with the intention of applying for the Cash+ after I drop to 1/6 in a month or so. Anyway, went into a branch to open the checking account and after I was done, she mentioned that it showed I was pre-approved for a credit card. No specific card, just in general.
Even knowing how conservative US Bank is, I decided to shoot my shot with the pre-approval since you can't do them online. It's currently under review, and she said that that's normal and usually takes 2-3 business days. I'm curious if anyone here has applied for a US Bank card at high velocity & no prior relationship, with a pre-approval. If so, how did it go?
Obviously every profile is different blah blah blah...
I'd be amazed if comes back approved. USB seems to do this pretty regularly. However since it is USB that means you can actually talk to an UW and maybe even recon it if you are lucky so there is that angle too. If you really want it call them and talk to them.
8/8/25
2/16/26
@Peculiar_radish wrote:I'll be very shocked too. It's been 48 hours at this point and no reply...which I'm taking as a good sign. They gave me a pre-approval after soft pulling my credit report to open the checking account, and the banker is handling the credit application. I'd imagine if it was going to be an auto-reject at 6/12, id have heard by now?
It's done by mail so of course you wouldn't have heard back yet. If you want to know before then, you have to call them.
US Bank: 800-947-1444, 800-685-7680 (Underwriting)
@Peculiar_radish wrote:
@Janneman wrote:My mom and I received pre-approved offer in the mail. She got an offer for Business credit card and I got for Altitude Go even though I already have this card for the last 3-4 years.. I did contact customer service at 3 different times to inquire if I could get another Altitude Go card even if I have one...and all they said yes...and informed me that many people do have two of those cards...I thought these preapproval offers with code are solid and reliable ones and didn't wanna pass-by such opportunity given by US bank..So, we responded two weeks ago and we both got denied a week later last week. Reason- Too many accounts opened in 12 months....I was 5/12 and my mom was 4/12. Please know that we have personal checking account, business checking account, 3 business credit cards and two personal credit cards with US bank for the last 3-4 years......Hope the best for you.
Well...that's not a good data point for me =/
Every profile is different I was 7/12 cold called no prior relationship and instant approval. I would also take pre-qualified, pre-approved with a huge grain of salt many places these are merely is credit score between x and y with z income after rent? That banker who said you were pre-approved likely never saw your report, or even knew your score or the banks criteria for new card offers... the computer or branch manager simply said "Make sure you pitch the CC too".
