US Bank Approvals - Anything I can do to help?

[loviedovie]

Hi all - 

I just applied for my first balance transfer card (US Bank Visa Platinum with 0% interest for 20 months).

I have a 700 credit score with zero delinquencies and zero inquiries. 

(My score would be higher but I'm carrying a $14k balance on a card with an $18k limit @ 24% apr, so I'm really hoping the balance transfer will help me bring it down.) 

I expected to see the status instantly but it says I'll get a letter in 7-10 days. Is there anything I can do in the meantime to help? A number I can call? 

Many thanks,

Lovie

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[Anonymous]

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@loviedovie wrote:

Hi all - 

I just applied for my first balance transfer card (US Bank Visa Platinum with 0% interest for 20 months).

I have a 700 credit score with zero delinquencies and zero inquiries. 

(My score would be higher but I'm carrying a $14k balance on a card with an $18k limit @ 24% apr, so I'm really hoping the balance transfer will help me bring it down.) 

I expected to see the status instantly but it says I'll get a letter in 7-10 days. Is there anything I can do in the meantime to help? A number I can call? 

Many thanks,

Lovie

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You can try calling U.S. Bank Credit Card Underwriting Services  at (800) 947-1444 on Monday morning.  Unfortunately the 7-10 days notice sounds like a denial but you can ask for reconsideration during the call and they will resubmit your application for another review by an underwriter.

[CreditInspired]

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@loviedovie wrote:

Hi all - 

I just applied for my first balance transfer card (US Bank Visa Platinum with 0% interest for 20 months).

I have a 700 credit score with zero delinquencies and zero inquiries. 

(My score would be higher but I'm carrying a $14k balance on a card with an $18k limit @ 24% apr, so I'm really hoping the balance transfer will help me bring it down.) 

I expected to see the status instantly but it says I'll get a letter in 7-10 days. Is there anything I can do in the meantime to help? A number I can call? 

Many thanks,

Lovie

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Is this your only CC? If no, what does UT look like on the others?

[pinkandgrey]

I would call. When I applied for a US Bank card, I got declined. I called a couple times and eventually it got approved. 

[AverageJoesCredit]

And you closed it after all that Pink🤯 tsk tsk

[pinkandgrey]

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@AverageJoesCredit wrote:
And you closed it after all that Pink🤯 tsk tsk

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SHHHH that’s not pertinent information here

[loviedovie]

@pinkandgrey - is there a particular number you recommend calling for a recon? Or just the general number? Thank you!!!
-Lovie

[Anonymous]

800-947-1444

[shoegal]

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@pinkandgrey wrote:

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@AverageJoesCredit wrote:
And you closed it after all that Pink🤯 tsk tsk

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SHHHH that’s not pertinent information here

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AJC, airing your dirty laundry 🤣😂

I thought you closed the Uber card? Maybe I’m remembering wrong 🤣😂

[AverageJoesCredit]

Lol, Pink almost gave @Anonymous a heart murmur upon reading her dirty deed with USBank