U.S Bank Personal/Business CC Saga

[NY2014]

Hi, everyone.

I just wanted to ask a anybody’s opinion and suggestions regarding an issue I might have created with US Bank. 

First, to recap. Sometime around the 18th of this month, I applied for US Business Perks Rewards Credit Card. If anyone remembered and got a denial for reasons of when I/we/applicant called the Credit Dept., they told me to open my other locked  credit - all three (3). At that time, my EX & EQ was locked. I only opened my TU. I assumed they only pulled TU.

FF. A few weeks ago i applied to open a checking account but I was not able to finish it and had it saved and to continue the application again soon.

Well on a whim. I retrieved that saved application and sent it. I also checked the box to apply for a personal CC.

This Monday, I contacted the bank regarding the status first about the App Business CC and Checking. The rep pulled up the app and says its still in review. Then I asked to be transferred to the the dept that handles checking application.I  got a rep and retrieved my app, asked to verify my identity, how did i apply, blah blah blah and placed me on hold for 5 mins and got disconnected while I was holding on. I called back at a different # and got a different rep. I told him i got disconnect and gave the name of the last rep that I was talking to when I got disconnected He then ask me did I get his last name. A moment of pause and replied, was i suppose to ? Ok, Im thinking in my head, I got a rep now who straightens all his pencils on top of his desk all sharpened. I responded back, should always asked there last name? (Indirectly, I am saying that I wasn't able to). He said, “absolutely!” So, what is your last name Mr. Fran- ———. then he gave his last name and asked me, How can I help you, now?” 

To get to my point, my application is still “pending”. Somebody will call me, the next day…etc, etc and so, have a good day Mr ABC X Def. 

The following day, I got a call from the bank and they verify that I applied for the CC and asked about my info and questions that are way, way, back, some I could not even remember such  address, off-hand.

Finally my question. First, any opinion if they will approve me or what are my chances for my 2 applications. First my Personal Visa CC with Checking app on 7/24/15 and 2nd for my Business Visa CC on 7/18/15. 

Since they have pulled my Credit on my Personal Visa CC App and checking, will they use this same pull when the do the app for my business?

[Anonymous]

If you don't have a prior relationship with them, and it appears you have some new accounts recently by the inq showing in your signature then I would guess yea on the checking account and no on both credit cards. This is just wild guess though as I have no idea. They just seemd to be kinda conservitive with their products regardless of your fico scores.

Keep us updated and hopefully your 3 for 3 on this one

[Anonymous]

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@Anonymous wrote:

If you don't have a prior relationship with them, and it appears you have some new accounts recently by the inq showing in your signature then I would guess yea on the checking account and no on both credit cards. This is just wild guess though as I have no idea. They just seemd to be kinda conservitive with their products regardless of your fico scores.

Keep us updated and hopefully your 3 for 3 on this one

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This information is not really true if you have a strong fico and a strong credit file.

The personal cc will probably get approved. As far as the business cc it depends on annual gross income, time in businesss so far, and type of industry.

Please keep us updated!

[NY2014]

Yeah I agree about the conservative approach U.S Bank and agree stronly with ghgirll123 i wont have appied  if  I did not see a 50/50 chance,Company over 4 yrs my revuenes can be verified credit history over a yr good accounts both personal and applied  under 6% utility of industry  NAICS (541613) (SIC 8742)   and actually there is a 4th under review Barclay Hawaiian Air business,and Honestly my last App for quite a long time gardening if approved, long term goal to consolidate most my older cards, Maybe close 3/4 accounts, Amex Delta  is a little useless after the first few months great then just lost its Value anyways just a few on the chopping block,.more interested business accounts..why i went gunning for the two. and i like U.S bank. will keep all posted .or somewhere over a bridge with a rope and a rock tide to my ankles LOL  . J/K  and seriously I really appreciate the advise and support here 

thanks.. 

[Creditaddict]

They will use same pulls if you apply for everything in same day.

We got a business charge and a business credit card and then a week later I applied for personal card and that was declined because of the new apps... I disputed that half those were the apps with them and after 3 recons by me and 2 by bank (mine actually worked) they finally saw my logic out wayed there's but it was a reminder to do all apps together so there won't be another hp and new accounts they are reviewing! but we got it approved! so we have 3 cards with them.

[NY2014]

Hey Thanks CA. Needed that Advice with that info i think i have a chance now first update with my Barclay's Saga.I was approved the the Barclay's RCI, $9k arrived today,

which was restricted that I already figured when i called in Friday, regarding the Hawaiian air business app.

!). I applied on the 16th instantly approved Barclay RCI, after my app spree contemplating that time between a business CC, back and forth U.S or applied Hawaiian Air business 22nd .

so,that when i got sorry Blah Blah, you know the story.

Back to on Friday connected to the Security 3 times,and finally a Mrs,says we need documents, DL,utility bill, SS. front and back . no prob sent,,all including Corp docs,Tax Id,verification ,

Kinda  know when i tried to activate my RCI. MC it was restricted due to more than one app, and flag both but on the good side of this I received a letter regarding my Business app.please call us to at additional information is needed before we can process your request  on Friday Mrs Security kinda really confirmed that all they really needed to confirm my identity,because after i got off the phone MRs Security called me back ..

lets hope because when i called in regarding my business integration, the credit specialist,kinda gave my app and answers and credit was OK but left out we need to verify it me. I called and hour ago and the specialist only said we are waiting for docs, I expressed mailed,the rep says call back in a week . I'm calling tomorrow of coarse LOL  ..

if approved . I believe i'll go thoughts the same process with U.S Bank, as well thanks again will keep you posted