U.S. Bank Pre-Approval tool - data point

[portlandmusician]

Customer service told me today that it will take a day or two for the 0% APR to show up on the card, since I was just approved today, the system hasn't fully updated everything.

[KatzNDawgs]

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@portlandmusician wrote:

@KatzNDawgs I was approved. $17,500 starting limit. Just got the email this morning.

However, the sign-up balance transfer offer hasn't hit the card yet. I wonder if I have to wait for that? I go to "transfer a balance" on the card, and it's just at 17.74% at a 5% fee. So, I'm hoping once I get the card in 7-10 business days, once I activate it, that balance transfer offer is there. We shall see. Only reason I got the card, ha.

This is my 4th U.S. Bank personal card, and I have one business card, so five total with them.

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Congrats! And yes, it can take a bit of time to update, especially with BT. Did you happen to take a screenshot of the BR confirmation and rates when you did it at signup?

[911gt34life]

Did you freeze secondary bureaus ? 

[portlandmusician]

@KatzNDawgs Yep, it just took several hours the day of approval to pop up. But, it finally did. Just took the system time to process the new card, as customer service told me. And, yes, I did screenshot everything along the way, but didn't need to use it. I'll find time and post in Approvals soon on it. My balance transfer is in process. I do love U.S. Bank...

[portlandmusician]

@911gt34life Nope. I haven't ever bothered with Sagestream or LexisNexis. I am curious to check them out, and have thought about it, but never looked at them or froze them.

On this one, it was merely when I did the pre-approval, it went to underwriting, so it would be a couple days before they did the soft pull. But, I had it frozen by then, since they didn't do it instantly when I put in the pre-approval.

So, after all I went through (above), I finally just unfroze TransUnion, put in a real application, called them back to let them know the real application was put through and I'd like them to pull TransUnion as quickly as they could, so I could freeze it again. First rep said they'd put a rush on it and it would be up to 2 days. I called back, got a rep that would talk to a supervisor, pull it right then, got the notice it was pulled, and then froze it again - and waited.

[G2244]

Since this is a data point thread, I thought I would create one just for fun. I have all bureaus frozen. I left them that way and went through the pre-approval tool for the US Altitude Connect. No surpise, I got the 7-10 day message that they would get back to me. 

I know not very usefull probably but was curious what it would do and was little risk for me....