US Bank Application Delima 🤔

[credit_endurance]

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@Gmood1 wrote:
I was sent a letter to contact them. I did, but the fraud department never gave a yea or nay on my app. It basically died on the vine I guess.
At least they're trying to work with you.

This was my app from late last year. Not the current one.

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Gotcha. This could just work out in my favor. Going to contact them again and see if they could pull EX and see how that works out. Will update as soon ascI hear anything concrete. Thanks guys 😉

[AverageJoesCredit]

Anyone with a 731 shouldn't be apping USbank. Just sayin.

[credit_endurance]

Say it ain’t so Average Joe lol! But seriously why you think that?

[Anonymous]

unfortunately for ME, back when i applied they pulled TU, but i had derogs on there and such, however i trusted that the prequal page of theirs was fairly solid since it was a single APR%.  have you tried the prequal page on their site?

[credit_endurance]

Hi Camaro, I did actually do the prequel and Cash + 365 & FlexPerks where my 3 choices with the FlexPerks being my only set Apr @ 18.74 not the best but at least was a set one so I appied for that after going for the gold checking package w/ Cash+.. Called back in a told them reports where available and they pulled TU for me as I originally thought they would and both apps where denials. Oh well, can’t win them all. They sited too many recent inquiries bolony as we have had several members with numerous inquiries being approved.

[Gmood1]

Thanks for the update my friend. Sorry about the denial. Have you heard anything from Commerce?

[credit_endurance]

Not a problem my friend. Haven’t heard anything yet from them. No alerts on my reports as of yet. Was tempted to call in today( impatience kicking in) 😀 but will hold off until tomorrow. Will be sure to update that one as I’m highly anticipating the result.😉

[shoegal]

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@credit_endurance wrote:
@Anonymous Camaro, I did actually do the prequel and Cash + 365 & FlexPerks where my 3 choices with the FlexPerks being my only set Apr @ 18.74 not the best but at least was a set one so I appied for that after going for the gold checking package w/ Cash+.. Called back in a told them reports where available and they pulled TU for me as I originally thought they would and both apps where denials. Oh well, can’t win them all. They sited too many recent inquiries bolony as we have had several members with numerous inquiries being approved.

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Sorry about the denial! For me it shows Cash+ and Cash365 with range APRs, and the FlexPerks with a set APR (18.74%) too but I’m starting to think that’s not a real preapproval. You are the second person with a set APR for FlexPerks that I’ve seen denied this week.

[credit_endurance]

Thanks shoegal. Yes US bank has been all over the map of late. With instant cold app approvals to instant denials for inquiries on one profile, but approvals for others with the same or more inquiries on their profiles. So I would say if if you got the same set Apr as I did and others have received its most likely a fluke with US bank.

[Gmood1]

I had solid APRs when they denied me last year. Their preapprovals are BS.
I'm going to set the cells phones to auto charge and manually charge the electric bill every 3 months.
That's the only use the Cash+ card will see.