US Bank Credit Card application 7-10 Day Message

sghosh5 · ‎06-14-2018

Applied for Cash+ card today (i got straight denied in past). After submitting the application, it asked if i want to add someone else to the card and balance transfer from other cards. After proceeding, it went into a 7-10 day wait message screen. I called them and they said they will be verifying the application for next few days and let me know. Is this a normal process for them? Did anyone ever experience this?

Shell FCU : 5K

Anonymous · ‎06-14-2018

@sghosh5 wrote:
Applied for Cash+ card today (i got straight denied in past). After submitting the application, it asked if i want to add someone else to the card and balance transfer from other cards. After proceeding, it went into a 7-10 day wait message screen. I called them and they said they will be verifying the application for next few days and let me know. Is this a normal process for them? Did anyone ever experience this?

Yes it's normal, many applicants experience this. Mine was in UW for 2 days, then approved. Good luck!

Anonymous · ‎06-14-2018

That's the normal process for U.S. Bank. While some apps are instantly approved, the majority are manually reviewed by their underwriters. You can call Underwriting Services at (800) 947-1444 to track the progress of your app but it usually takes 2-3 business days for approval.

@sghosh5 wrote:
Applied for Cash+ card today (i got straight denied in past). After submitting the application, it asked if i want to add someone else to the card and balance transfer from other cards. After proceeding, it went into a 7-10 day wait message screen. I called them and they said they will be verifying the application for next few days and let me know. Is this a normal process for them? Did anyone ever experience this?

sghosh5 · ‎06-14-2018

Thanks. yes thats what they said. 2-3 days

Shell FCU : 5K

Anonymous · ‎11-13-2018

I checked i was pre-qualified for cash+ along with two other cards. Applied for Cash+

got the same 7-10 business days processing message. No previous banking relationship with them

Card was applied Sat, got approval email on Monday evening.

FICO in 760s. 3 inquiries when i applied on TU. They pulled TU for me not Experian.

CL is $9000